Consolidated Statements of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
INTEREST INCOME
Loans receivable, including fees	$ 6,202	$ 6,429	$ 18,557	$ 19,233
Securities	939	971	2,685	3,004
Other	5	9	17	20
Total interest income	7,146	7,409	21,259	22,257
INTEREST EXPENSE
Deposits	701	897	2,174	2,800
Short-term borrowings	17	14	44	38
Other borrowings	158	246	525	733
Total Interest Expense	876	1,157	2,743	3,571
NET INTEREST INCOME	6,270	6,252	18,516	18,686
PROVISION FOR LOAN LOSSES	400	900	2,000	1,650
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,870	5,352	16,516	17,036
OTHER INCOME
Service charges and fees	614	561	1,834	1,674
Income from fiduciary activities	111	96	285	274
Net realized gains on sales of securities	198	631	590	1,318
Gains (losses) on sale of loans and servicing rights, net	(12)	83	(9)	143
Earnings and proceeds on Bank Owned Life Insurance	150	132	1,224	395
Other	155	88	381	284
Total Other Income	1,216	1,591	4,305	4,088
OTHER EXPENSES
Salaries and employee benefits	2,103	2,102	6,438	6,300
Occupancy, furniture & equipment, net	507	512	1,586	1,489
Data processing related	221	222	673	670
Taxes, other than income	179	150	531	451
Professional fees	139	157	498	601
Federal Deposit Insurance Corporation insurance assessment	114	94	335	290
Foreclosed real estate owned	217	(23)	494	184
Other	693	743	2,052	2,076
Total other expenses	4,173	3,957	12,607	12,061
INCOME BEFORE INCOME TAXES	2,913	2,986	8,214	9,063
INCOME TAX EXPENSE	777	786	1,930	2,419
NET INCOME	$ 2,136	$ 2,200	$ 6,284	$ 6,644
BASIC EARNINGS PER SHARE	$ 0.59	$ 0.61	$ 1.73	$ 1.84
DILUTED EARNINGS PER SHARE	$ 0.59	$ 0.61	$ 1.73	$ 1.84