Fair Value Measurements (Tables)

6 Months Ended

Jun. 30, 2013

Fair Value Measurements [Abstract]

Fair Value, Assets Measured on Recurring Basis [Table Text Block]

	Fair Value Measurement Using
	Reporting Date
Description	Total		(Level 1)		(Level 2)		(Level 3)
	(In thousands)
June 30, 2013
Available for Sale:
US Government agencies	$	22,852	$	-	$	22,852	$	-
States and political subdivisions		60,497		-		60,497		-
Corporate obligations		8,299		-		8,299		-
Mortgage-backed securities-government
sponsored agencies		58,775		-		58,775		-
Equity securities-financial services		327		327		-		-
Total	$	150,750	$	327	$	150,423	$	-
December 31, 2012
Available for Sale:
US Government agencies	$	13,092	$	-	$	13,092	$	-
States and political subdivisions		58,786		-		58,786		-
Corporate obligations		8,868		-		8,868		-
Mortgage-backed securities-government		64,325				64,325
sponsored agencies				-				-
Equity securities-financial services		319		319		-		-
Total	$	145,390	$	319	$	145,071	$	-

Fair Value, Assets Measured on Nonrecurring Basis [Table Text Block]

			Fair Value Measurement Reporting Date using
(In thousands)
Description	Total		(Level 1)		(Level 2)		(Level 3)
June 30, 2013
Impaired Loans	$	9,749	$	-	$	-	$	9,749
Foreclosed Real Estate Owned		1,297		-		-		1,297
December 31, 2012
Impaired Loans	$	11,616	$	-	$	-	$	11,616
Foreclosed Real Estate Owned		852		-		-		852

Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block]

		Quantitative Information about Level 3 Fair Value Measurements
(In thousands)	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)
June 30, 2013
Impaired loans	$	9,749	Appraisal of collateral(1)	Appraisal adjustments(2)	0-30% (11.77)%
Foreclosed real estate owned	$	1,297	Appraisal of collateral(1)(3)	Liquidation Expenses(2)	20%

	Quantitative Information about Level 3 Fair Value Measurements
(In thousands)	Fair Value Estimate		Valuation Techniques	Unobservable Input	Range (Weighted Average)
December 31, 2012
Impaired loans	$	11,616	Appraisal of collateral(1)	Appraisal adjustments(2)	0-30%(24.10%)
Foreclosed real estate owned	$	852	Appraisal of collateral(1)(3)	Liquidation Expenses(2)	20%

(1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable, less any associated allowance.

(2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.  The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

(3) Includes qualitative adjustments by management and estimated liquidation expenses.

Fair Value, by Balance Sheet Grouping [Table Text Block]

	Fair Value Measurements at June 30, 2013
					Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
	Carrying Amount		Fair Value		(Level 1)		(Level 2)		(Level 3)
Financial assets:
Cash and cash equivalents	$	27,297	$	27,297	$	27,297	$	-	$	-
Securities		150,923		150,927		327		150,600		-
Loans receivable, net		474,966		486,212		-		-		486,212
Mortgage servicing rights		221		264		264		-		-
Regulatory Stock		2,527		2,527		2,527		-		-
Bank owned life insurance		14,527		14,527		14,527		-		-
Accrued interest receivable		2,488		2,488		2,488		-		-
Financial liabilities:
Deposits		550,150		551,507		342,184		-		209,323
Short-term borrowings		32,075		32,075		32,075		-		-
Other borrowings		20,150		22,634		-		-		22,634
Accrued interest payable		1,037		1,037		1,037		-		-
Off-balance sheet financial instruments:
Commitments to extend credit and outstanding letters of credit		-		-		-		-		-

	Fair Value Measurements at December 31, 2012
					Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
	Carrying Amount		Fair Value		(Level 1)		(Level 2)		(Level 3)
Financial assets:
Cash and cash equivalents	$	12,295	$	12,295	$	12,295	$	-	$	-
Securities		145,563		145,567		319		145,248		-
Loans receivable, net		471,208		485,848		-		-		485,848
Mortgage servicing rights		243		243		-		243		-
Regulatory stock		2,630		2,630		2,630		-		-
Bank owned life insurance		15,357		15,357		15,357		-		-
Accrued interest receivable		2,393		2,393		2,393		-		-
Financial liabilities:
Deposits		524,425		526,081		313,166		-		212,915
Short-term borrowings		28,697		28,697		28,697		-		-
Other borrowings		22,487		25,426		-		-		25,426
Accrued interest payable		1,242		1,242		1,242		-		-
Off-balance sheet financial instruments:
Commitments to extend credit and outstanding letters of  credit		-		-		-		-		-