Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
INTEREST INCOME
Interest and fees on loans	$ 4,088	$ 4,059
Interest and dividends on investment securities:
Taxable interest	683	648
Nontaxable interest	413	302
Dividends	28	30
Other interest income	5	6
Total interest income	5,217	5,045
INTEREST EXPENSE
Deposits	431	583
Other short-term borrowings	1	1
Federal Home Loan Bank advances - short term	103	15
Federal Home Loan Bank advances - long term	187	289
Subordinated debt	22	23
Total interest expense	744	911
Net interest income	4,473	4,134
PROVISION FOR LOAN LOSSES	150	200
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	4,323	3,934
NON-INTEREST INCOME
Fees for customer services	459	468
Investment securities gains - net	193
Mortgage banking gains	81	688
Earnings on bank-owned life insurance	73	85
Trading security income	126
Wealth management income	81	25
Other non-interest income	38	5
Total non-interest income	1,051	1,271
NON-INTEREST EXPENSES
Salaries and employee benefits	2,194	2,478
Net occupancy and equipment expense	481	450
State and local taxes	85	139
FDIC insurance expense	75	88
Professional fees	172	215
Other operating expenses	616	770
Total non-interest expenses	3,623	4,140
INCOME BEFORE FEDERAL INCOME TAX EXPENSE	1,751	1,065
Federal income tax expense	419	235
NET INCOME	$ 1,332	$ 830
EARNINGS PER SHARE	$ 0.29	$ 0.18
CASH DIVIDENDS DECLARED PER SHARE	$ 0.03	$ 0.03