SEGMENT INFORMATION

6 Months Ended

Jun. 30, 2011

Segment Reporting [Abstract]

SEGMENT INFORMATION

NOTE 7 – SEGMENT INFORMATION

The reportable segments are determined by the products and services offered, primarily distinguished between banking and consumer finance. They are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business which are then aggregated if operating performance, products/services, and customers are similar. Loans, investments, and deposits provide the majority of the net revenues from the banking operation, while loans provide the majority of the net revenues for the consumer finance segment. All Company segments are domestic.

Total revenues from the banking segment, which accounted for the majority of the Company's total revenues, totaled 90.6% and 91.8% of total consolidated revenues for the years ended June 30, 2011 and 2010, respectively.

The accounting policies used for the Company's reportable segments are the same as those described in Note 1 - Summary of Significant Accounting Policies. Income taxes are allocated based on income before tax expense.

Information for the Company’s reportable segments is as follows:

	Three Months Ended June 30, 2011
	Banking		Consumer Finance			Total Company
Net interest income	$	7,550	$	604		$	8,154
Provision expense	$	822	$	(63	)	$	759
Tax expense	$	459	$	87		$	546
Net income	$	1,384	$	171		$	1,555
Assets	$	825,051	$	13,239		$	838,290

	Three Months Ended June 30, 2010
	Banking		Consumer Finance		Total Company
Net interest income	$	7,562	$	616	$	8,178
Provision expense	$	695	$	26	$	721
Tax expense	$	448	$	86	$	534
Net income	$	1,301	$	170	$	1,471
Assets	$	809,493	$	14,201	$	823,694

	Six Months Ended June 30, 2011
	Banking		Consumer Finance		Total Company
Net interest income	$	15,551	$	1,806	$	17,357
Provision expense	$	3,645	$	58	$	3,703
Tax expense	$	867	$	466	$	1,333
Net income	$	2,676	$	912	$	3,588
Assets	$	825,051	$	13,239	$	838,290

	Six Months Ended June 30, 2010
	Banking		Consumer Finance		Total Company
Net interest income	$	15,126	$	1,661	$	16,787
Provision expense	$	1,520	$	122	$	1,642
Tax expense	$	972	$	328	$	1,300
Net income	$	2,734	$	643	$	3,377
Assets	$	809,493	$	14,201	$	823,694