Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST INCOME
Interest and fees on loans	$ 4,059	$ 3,967
Interest and dividends on investment securities:
Taxable interest	648	951
Nontaxable interest	302	350
Dividends	30	32
Other interest income	6	5
Total interest income	5,045	5,305
INTEREST EXPENSE
Deposits	583	720
Other short-term borrowings	1	1
Federal Home Loan Bank advances - short term	15	19
Federal Home Loan Bank advances - long term	289	298
Subordinated debt	23	26
Total interest expense	911	1,064
Net interest income	4,134	4,241
PROVISION FOR LOAN LOSSES	200	270
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	3,934	3,971
NON-INTEREST INCOME
Fees for customer services	468	520
Investment securities gains - net		7
Impairment losses on investment securities:
Total other-than-temporary impairment losses		(35)
Portion of gains recognized in other comprehensive income (before tax)		(136)
Net impairment losses recognized in earnings		(171)
Mortgage banking gains	688	154
Earnings on bank-owned life insurance	120	123
Other non-interest income	30	62
Total non-interest income	1,306	695
NON-INTEREST EXPENSES
Salaries and employee benefits	2,478	2,009
Net occupancy and equipment expense	450	430
State and local taxes	139	125
FDIC insurance expense	88	70
Professional fees	215	166
Loss on partnership		444
Other operating expenses	805	620
Total non-interest expenses	4,175	3,864
INCOME BEFORE FEDERAL INCOME TAX EXPENSE (BENEFIT)	1,065	802
Federal income tax expense (benefit)	235	(357)
NET INCOME	$ 830	$ 1,159
EARNINGS PER SHARE, BOTH BASIC AND DILUTED (Note 6)	$ 0.18	$ 0.26
CASH DIVIDENDS DECLARED PER SHARE	$ 0.03