CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest and dividend income:
Loans, including fees	$ 10,090	$ 10,807	$ 21,389	$ 22,243
Securities
Taxable	473	593	918	1,190
Tax exempt	137	112	280	216
Dividends	70	70	141	141
Other Interest	47	17	114	37
Interest and dividend income	10,817	11,599	22,842	23,827
Interest expense:
Deposits	2,227	2,802	4,583	5,707
Securities sold under agreements to repurchase	4	15	16	31
Other borrowed funds	160	332	342	758
Subordinated debentures	272	272	544	544
Interest expense	2,663	3,421	5,485	7,040
Net interest income	8,154	8,178	17,357	16,787
Provision for loan losses	759	721	3,703	1,642
Net interest income after provision for loan losses	7,395	7,457	13,654	15,145
Noninterest income:
Service charges on deposit accounts	553	573	1,093	1,129
Trust fees	56	58	115	119
Income from bank owned life insurance	182	185	361	364
Mortgage banking income	60	54	137	129
Electronic refund check / deposit fees	265	127	2,533	771
Debit / credit card interchange income	344	247	644	457
Gain (loss) on sale of other real estate owned	5	34	10	(77)
Other	222	246	453	497
Noninterest income	1,687	1,524	5,346	3,389
Noninterest expense:
Salaries and employee benefits	4,084	3,993	8,107	7,885
Occupancy	378	397	804	811
Furniture and equipment	282	304	562	596
FDIC insurance	285	262	612	521
Data processing	215	201	451	405
Other	1,737	1,819	3,543	3,639
Noninterest expense	6,981	6,976	14,079	13,857
Income before income taxes	2,101	2,005	4,921	4,677
Provision for income taxes	546	534	1,333	1,300
NET INCOME	$ 1,555	$ 1,471	$ 3,588	$ 3,377
Earnings per share (in dollars per share)	$ 0.39	$ 0.37	$ 0.90	$ 0.85