CONSOLIDATED STATEMENT OF INCOME (USD $) In Thousands, except Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest Income
Interest and fees on loans	$ 5,515	$ 5,450	$ 10,960	$ 10,931
Investment securities:
Taxable	320	376	610	672
Exempt from federal income tax	303	258	593	514
Other	3	13	7	24
Total interest income	6,141	6,097	12,170	12,141
Interest Expense
Deposits	1,066	1,707	2,205	3,503
Short-term borrowings	38	51	61	76
Other borrowed funds	214	243	433	500
Total interest expense	1,318	2,001	2,699	4,079
Net Interest Income	4,823	4,096	9,471	8,062
Provision for loan losses	275	330	700	580
Net Interest Income After Provision for Loan Losses	4,548	3,766	8,771	7,482
Noninterest Income
Service charges on deposit accounts	257	349	528	692
Mortgage loans held for sale gains, net	66	45	148	95
Investment securities losses	(26)	(6)	(28)	(6)
Brokerage commissions	157	253	338	391
Earnings on bank-owned life insurance	109	104	217	210
ATM and debit card fees	154	134	291	210
Other income	272	225	449	474
Total noninterest income	989	1,104	1,943	2,066
Noninterest Expense
Salaries and employee benefits	1,843	1,720	3,620	3,394
Occupancy expense, net	265	272	571	577
Furniture and equipment expense	113	121	218	239
Professional fees	183	201	493	353
Data processing expense	178	168	357	355
FDIC insurance	122	184	311	361
Other expense	658	593	1,389	1,180
Total noninterest expense	3,362	3,259	6,959	6,459
Income before income taxes	2,175	1,611	3,755	3,089
Income taxes	509	426	819	802
NET INCOME	$ 1,666	$ 1,185	$ 2,936	$ 2,287
Earnings per Share - basic	$ 1.04	$ 0.74	$ 1.84	$ 1.44
Earnings per Share - diluted	$ 1.04	$ 0.74	$ 1.84	$ 1.44
Dividends per share	$ 0.36	$ 0.36	$ 0.72	$ 0.72
Average shares outstanding - basic	1,598,218	1,596,768	1,598,218	1,585,996
Average shares outstanding - diluted	1,599,205	1,598,818	1,599,739	1,586,468