Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
INTEREST INCOME
Interest and fees on loans	$ 3,961	$ 3,925	$ 8,049	$ 7,984
Interest and dividends on investment securities:
Taxable interest	681	617	1,364	1,265
Nontaxable interest	441	350	854	652
Dividends	35	36	63	66
Other interest income	5	10	10	16
Total interest income	5,123	4,938	10,340	9,983
INTEREST EXPENSE
Deposits	414	527	845	1,110
Other short-term borrowings		1	1	2
Federal Home Loan Bank advances - short term	36	20	139	35
Federal Home Loan Bank advances - long term	254	288	441	577
Subordinated debt	22	22	44	45
Total interest expense	726	858	1,470	1,769
Net interest income	4,397	4,080	8,870	8,214
PROVISION FOR LOAN LOSSES	150	150	300	350
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	4,247	3,930	8,570	7,864
NON-INTEREST INCOME
Fees for customer services	484	455	943	898
Investment securities available-for-sale gains - net		152	193	152
Trading security gains (losses), net	141	(51)	267	(51)
Mortgage banking gains	117	638	198	1,326
Other real estate gains - net	19	13	19	13
Earnings on bank-owned life insurance	88	99	161	183
Wealth management income	84	40	165	65
Other non-interest income	14	34	52	64
Total non-interest income	947	1,380	1,998	2,650
NON-INTEREST EXPENSES
Salaries and employee benefits	2,306	2,545	4,500	5,023
Net occupancy and equipment expense	466	478	947	928
State and local taxes	85	140	170	279
FDIC insurance expense	83	110	158	198
Professional fees	233	199	405	414
Other operating expenses	736	835	1,352	1,604
Total non-interest expenses	3,909	4,307	7,532	8,446
INCOME BEFORE FEDERAL INCOME TAX EXPENSE	1,285	1,003	3,036	2,068
Federal income tax expense	246	204	665	439
NET INCOME	$ 1,039	$ 799	$ 2,371	$ 1,629
EARNINGS PER SHARE	$ 0.23	$ 0.18	$ 0.52	$ 0.36
CASH DIVIDENDS DECLARED PER SHARE	$ 0.05	$ 0.03	$ 0.08	$ 0.06