Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
INTEREST INCOME
Interest and fees on loans	$ 3,957	$ 3,980	$ 12,006	$ 11,964
Interest and dividends on investment securities:
Taxable interest	673	561	2,037	1,826
Nontaxable interest	439	371	1,293	1,023
Dividends	29	30	92	96
Other interest income	5	6	15	22
Total interest income	5,103	4,948	15,443	14,931
INTEREST EXPENSE
Deposits	424	516	1,269	1,626
Other short-term borrowings	1		2	2
Federal Home Loan Bank advances - short term	8	35	147	70
Federal Home Loan Bank advances - long term	271	270	712	847
Subordinated debt	22	22	66	67
Total interest expense	726	843	2,196	2,612
Net interest income	4,377	4,105	13,247	12,319
PROVISION FOR LOAN LOSSES	188	150	488	500
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	4,189	3,955	12,759	11,819
NON-INTEREST INCOME
Fees for customer services	527	502	1,470	1,414
Investment securities available-for-sale gains - net	4	386	197	538
Trading security gains, net	54	173	321	122
Mortgage banking gains, net	86	109	284	1,435
Other real estate (losses) gains - net	(10)	(38)	9	(25)
Earnings on bank-owned life insurance	87	66	248	249
Wealth management income	68	51	233	116
Other non-interest income	18	(8)	70	42
Total non-interest income	834	1,241	2,832	3,891
NON-INTEREST EXPENSES
Salaries and employee benefits	2,299	2,599	6,799	7,622
Net occupancy and equipment expense	461	502	1,408	1,430
State and local taxes	89	139	259	418
FDIC insurance expense	78	101	236	299
Professional fees	199	186	604	600
Other operating expenses	726	940	2,078	2,544
Total non-interest expenses	3,852	4,467	11,384	12,913
INCOME BEFORE FEDERAL INCOME TAX EXPENSE	1,171	729	4,207	2,797
Federal income tax expense	216	112	881	551
NET INCOME	$ 955	$ 617	$ 3,326	$ 2,246
EARNINGS PER SHARE	$ 0.21	$ 0.14	$ 0.73	$ 0.50
CASH DIVIDENDS DECLARED PER SHARE	$ 0.05	$ 0.03	$ 0.13	$ 0.09