Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
INTEREST INCOME
Interest and fees on loans	$ 4,097	$ 3,837	$ 11,990	$ 11,449
Interest and dividends on investment securities:
Taxable interest	634	1,070	2,467	3,262
Nontaxable interest	372	330	1,097	1,079
Dividends	29	28	98	98
Other interest income	4	10	16	45
Total interest income	5,136	5,275	15,668	15,933
INTEREST EXPENSE
Deposits	661	814	2,064	2,519
Other short-term borrowings	2	1	4	4
Federal Home Loan Bank advances - short term	23	5	61	79
Federal Home Loan Bank advances - long term	301	315	898	944
Subordinated debt	25	23	76	68
Total interest expense	1,012	1,158	3,103	3,614
Net interest income	4,124	4,117	12,565	12,319
PROVISION FOR LOAN LOSSES	300	324	900	872
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	3,824	3,793	11,665	11,447
NON-INTEREST INCOME
Fees for customer services	509	583	1,547	1,645
Investment securities gains - net	25	92	60	873
Impairment losses on investment securities:
Total other-than -temporary impairment losses			(35)	(141)
Portion of gains recognized in other comprehensive income (before tax)			(136)	(61)
Net impairment losses recognized in earnings			(171)	(202)
Mortgage banking gains	1,017	25	1,437	61
Other real estate gains (losses) - net	13	28	15	(71)
Earnings on bank-owned life insurance	128	124	381	374
Other non-interest income	20	18	166	63
Total non-interest income	1,712	870	3,435	2,743
NON-INTEREST EXPENSES
Salaries and employee benefits	2,208	1,835	6,288	5,429
Net occupancy and equipment expense	477	420	1,350	1,299
State and local taxes	125	116	376	349
FDIC insurance expense	76	148	217	521
Professional fees	183	158	585	520
Loss on partnership			444
Other operating expenses	779	614	2,146	1,849
Total non-interest expenses	3,848	3,291	11,406	9,967
INCOME BEFORE FEDERAL INCOME TAX EXPENSE	1,688	1,372	3,694	4,223
Federal income tax expense	422	318	317	979
NET INCOME	$ 1,266	$ 1,054	$ 3,377	$ 3,244
EARNINGS PER SHARE, BOTH BASIC AND DILUTED (Note 6)	$ 0.28	$ 0.24	$ 0.75	$ 0.72
CASH DIVIDENDS DECLARED PER SHARE