Consolidated Balance Sheets (Unaudited) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
ASSETS
Cash and noninterest-bearing deposits with banks	$ 10,140	$ 8,914
Interest-bearing deposits with banks	51,707	42,716
Total cash and cash equivalents	61,847	51,630
Securities available for sale	103,489	85,670
Securities held to maturity (estimated fair value: 2012 - $24,311; 2011 - $22,847)	23,678	22,848
Federal Home Loan Bank stock	6,281	6,281
Total loans	562,535	598,308
Less: Allowance for loan losses	(8,185)	(7,344)
Net loans	554,350	590,964
Premises and equipment, net	8,836	9,216
Other real estate owned	3,234	4,256
Accrued interest receivable	2,396	2,872
Goodwill	1,267	1,267
Bank owned life insurance and annuity assets	24,958	23,097
Prepaid FDIC insurance	1,034	1,609
Other assets	4,584	4,467
Total assets	795,954	804,177
LIABILITIES
Noninterest-bearing deposits	138,192	138,143
Interest-bearing deposits	538,507	549,743
Total deposits	676,699	687,886
Other borrowed funds	20,098	20,296
Subordinated debentures	13,500	13,500
Accrued liabilities	10,019	10,652
Total liabilities	720,316	732,334
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS’ EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2012 – 4,689,178 shares issued; 2011 - 4,686,295 shares issued)	4,689	4,686
Additional paid-in capital	33,525	33,473
Retained earnings	51,184	48,435
Accumulated other comprehensive income	1,952	961
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders’ equity	75,638	71,843
Total liabilities and shareholders’ equity	$ 795,954	$ 804,177