Weighted average number of common shares outstanding used in basic earnings per common share calculation

4,350,215

4,358,022

Net dilutive effect of:

Options

14,807

17,847

Restricted stock awards

12,066

13,601

Weighted average number of common shares outstanding adjusted for effect of dilutive securities

4,377,088

4,389,470

Income available to common shareholders

$

6,005

8,045

Basic earnings per common share

1.38

1.85

Diluted earnings per common share

1.37

1.83