CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Interest and dividend income:
Loans, including fees	$ 9,964	$ 11,299
Securities
Taxable	426	445
Tax exempt	145	143
Dividends	71	71
Other Interest	59	67
Interest and dividend income	10,665	12,025
Interest expense:
Deposits	1,374	2,356
Securities sold under agreements to repurchase	0	12
Other borrowed funds	125	182
Subordinated debentures	254	272
Interest expense	1,753	2,822
Net interest income	8,912	9,203
Provision for loan losses	1,316	2,944
Net interest income after provision for loan losses	7,596	6,259
Noninterest income:
Service charges on deposit accounts	450	540
Trust fees	49	59
Income from bank owned life insurance and annuity assets	194	179
Mortgage banking income	97	77
Electronic refund check / deposit fees	2,038	2,268
Debit / credit card interchange income	395	300
Gain on sale of other real estate owned	8	5
Other	248	231
Noninterest income	3,479	3,659
Noninterest expense:
Salaries and employee benefits	4,268	4,023
Occupancy	402	426
Furniture and equipment	237	280
FDIC insurance	291	327
Data processing	279	236
Foreclosed assets, net	110	25
Other	1,745	1,781
Noninterest expense	7,332	7,098
Income before income taxes	3,743	2,820
Provision for income taxes	1,121	787
NET INCOME	2,622	2,033
Other Comprehensive income:
Change in unrealized gain/losses on securities, net of taxes	104	112
Total comprehensive income	$ 2,726	$ 2,145
Earnings per share (in dollars per share)	$ 0.65	$ 0.51