Consolidated Statements Of Cash Flows (USD $) In Thousands	9 Months Ended
Sep. 30, 2011	Sep. 30, 2010
Cash flows from operating activities
Net income	$ 934	$ 829
Adjustments to reconcile net income to net cash provided by operations:
Depreciation and amortization	173	191
Accretion of discounts on securities, net of amortization of premiums	281	290
Provision for loan losses	515	361
Net realized (gains) losses on securities	(44)	(98)
Net realized (gains) losses on sale of foreclosed assets	20	69
Net realized (gains) losses on sale of fixed assets	82
Deferred compensation and pension expense (benefit)
Changes in operating assets and liabilities:
Accrued income	212	152
Other assets	(440)	(16)
Accrued interest payable	(33)	8
Other liabilities	582	(71)
Net cash provided by operating activities	2,282	1,715
Cash flows from investing activities
Net increase (decrease) in interest-bearing deposits in banks	(1,087)	(9,304)
Net (increase) decrease in federal funds sold	(11,850)	1,975
Purchases of available for sale securities	(13,381)	(15,683)
Sales of available for sale securities	2,849	983
Maturities, calls and paydowns of available for sale securities	9,008	12,293
Purchases of held to maturity securities	(347)	(1,306)
Maturities, calls and paydowns of held to maturity securities	965	2,756
Call (purchase) of restricted equity securities	(21)
Proceeds from sale of foreclosed assets	210	120
Net decrease in loans	7,805	(1,632)
Net (purchases) dispositions of bank premises and equipment	673	(303)
Net cash provided (used) by investing activities	(5,176)	(10,101)
Cash flows from financing activities
Net increase in noninterest-bearing deposits	2,379	1,497
Net increase (decrease) in interest-bearing deposits	995	7,096
Dividends paid	(123)	(123)
Net cash (used in) provided by financing activities	3,251	8,470
Net increase (decrease) in cash and cash equivalents	357	84
Cash and cash equivalents, beginning	2,948	3,498
Cash and cash equivalents, ending	3,305	3,582
Supplemental disclosures of cash flow information
Interest paid	2,324	3,344
Income taxes paid	358	251
Supplemental disclosures of noncash activities
Other real estate acquired in settlement of loans		$ 437

The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 95

-Paragraph 28

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-URI http://asc.fasb.org/extlink&oid=6943989&loc=d3e3602-108585