Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
INTEREST INCOME
Interest and fees on loans	$ 3,925	$ 3,926	$ 7,984	$ 7,893
Interest and dividends on investment securities:
Taxable interest	617	882	1,265	1,833
Nontaxable interest	350	375	652	725
Dividends	36	37	66	69
Other interest income	10	7	16	12
Total interest income	4,938	5,227	9,983	10,532
INTEREST EXPENSE
Deposits	527	683	1,110	1,403
Other short-term borrowings	1	1	2	2
Federal Home Loan Bank advances - short term	20	19	35	38
Federal Home Loan Bank advances - long term	288	299	577	597
Subordinated debt	22	25	45	51
Total interest expense	858	1,027	1,769	2,091
Net interest income	4,080	4,200	8,214	8,441
PROVISION FOR LOAN LOSSES	150	330	350	600
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	3,930	3,870	7,864	7,841
NON-INTEREST INCOME
Fees for customer services	444	518	912	1,038
Investment securities gains - net	152	28	152	35
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	638	266	1,326	420
Other real estate gains – net	13	2	13	2
Earnings on bank-owned life insurance	135	130	255	253
Other non-interest income	34	84	64	146
Total non-interest income	1,416	1,028	2,722	1,723
NON-INTEREST EXPENSES
Salaries and employee benefits	2,545	2,071	5,023	4,080
Net occupancy and equipment expense	478	443	928	873
State and local taxes	140	126	279	251
FDIC insurance expense	110	71	198	141
Professional fees	199	236	414	402
Loss on partnership				444
Other operating expenses	871	747	1,676	1,367
Total non-interest expenses	4,343	3,694	8,518	7,558
INCOME BEFORE FEDERAL INCOME TAX EXPENSE (BENEFIT)	1,003	1,204	2,068	2,006
Federal income tax expense (benefit)	204	252	439	(105)
NET INCOME	$ 799	$ 952	$ 1,629	$ 2,111
EARNINGS PER SHARE, BOTH BASIC AND DILUTED (Note 6)	$ 0.18	$ 0.21	$ 0.36	$ 0.47
CASH DIVIDENDS DECLARED PER SHARE	$ 0.03		$ 0.06