Consolidated Statements of Income (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
INTEREST INCOME
Loans, including fees	$ 3,279	$ 3,135	$ 6,440	$ 6,289
Securities:
Taxable	85	118	179	241
Tax-exempt	96	69	194	125
Interest-bearing deposit accounts	4	17	8	36
Total interest income	3,464	3,339	6,821	6,691
INTEREST EXPENSE
Deposits	449	601	907	1,231
Federal funds purchased	1		1
Securities sold under repurchase agreements	2	6	4	10
FHLB advances	85	106	185	245
Total interest expense	537	713	1,097	1,486
Net interest income	2,927	2,626	5,724	5,205
Provision for loan losses	97	179	262	262
Net interest income after provision for loan losses	2,830	2,447	5,462	4,943
NON-INTEREST INCOME
Income from fiduciary activities	175	162	387	327
Service charges and fees on deposit accounts	244	266	487	541
VISA-related fees	61	226	150	406
Other service charges and fees	267	242	507	475
Secondary market lending fees	68	168	179	301
Increase in cash surrender value of life insurance	44	35	91	35
Net (losses) gains on sale of securities available for sale	(16)	268	(17)	271
Loss on securities with other-than-temporary impairment		(168)		(168)
Portion of loss recognized in other comprehensive income		48		48
Net impairment recognized in income		(120)		(120)
Losses on real estate owned	(249)	(240)	(219)	(254)
Net gains on the sale of fixed assets			138
Other income	30	15	34	26
Total non-interest income	624	1,022	1,737	2,008
NON-INTEREST EXPENSES
Salaries and employee benefits	1,597	1,607	3,184	3,338
Occupancy expense	354	319	712	661
Software maintenance	137	129	275	257
Bank franchise tax	47	44	94	88
VISA expense	38	191	108	345
Telephone expense	52	53	108	102
FDIC assessments	72	101	138	205
Foreclosure property expense	28	38	59	61
Consulting expense	70	21	169	44
Other expense	772	675	1,428	1,346
Total non-interest expenses	3,167	3,178	6,275	6,447
Net income before income taxes	287	291	924	504
Income tax expense	27	59	204	132
Net income	$ 260	$ 232	$ 720	$ 372
Basic Earnings Per Share
Average basic shares outstanding	4,818,733	4,817,856	4,818,311	4,815,845
Earnings per share, basic	$ 0.05	$ 0.05	$ 0.15	$ 0.08
Diluted Earnings Per Share
Average diluted shares outstanding	4,836,783	4,820,014	4,832,416	4,818,258
Earnings per share, diluted	$ 0.05	$ 0.05	$ 0.15	$ 0.08