Benefit Plans (Tables)

12 Months Ended

Dec. 31, 2012

Benefit Plans

Summary of the activity in the Option Plan

	2012				2011
	Shares		Weighted average exercise price per share		Shares		Weighted average exercise price per share
Options outstanding at the beginning of the year	568,500		$	8.34	505,500		$	8.61
Granted	190,000		7.87		66,000		6.32
Exercised	(60,662	)	6.33		—		—
Forfeited & Expired	(25,504	)	9.72		(3,000	)	8.07
Options outstanding at the end of the year	672,334		$	8.34	568,500		$	8.34
Options exercisable at the end of the year	449,435				502,500
Weighted average remaining contractual life of options outstanding at end of year	5.6 Years				5.1 Years

Schedule of assumptions used for valuing options granted with the Black-Scholes model

	Year Ended December 31,
	2012	2011
Expected volatility	23.14%	16.49% to 38.47%
Expected term	10.0 Years	10.0 Years
Expected dividends	None	None
Risk free rate	1.57%	1.92% to 3.50%
Weighted-average grant date fair value	$7.87	$1.80 to $3.47