CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
INTEREST INCOME
Interest and fees on loans	$ 8,491	$ 8,875
Interest and dividends on investment securities:
Taxable	924	521
Tax-exempt	3	3
Interest on federal funds sold	1	0
Interest on deposits with other banks	26	56
Total interest income	9,445	9,455
INTEREST EXPENSE
Interest on deposits	901	1,127
Interest on short-term borrowings	5	5
Total interest expense	906	1,132
NET INTEREST INCOME	8,539	8,323
Provision for credit losses	650	975
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	7,889	7,348
NONINTEREST INCOME
Service charges on deposit accounts	634	558
Trust and investment fee income	469	431
Insurance agency commissions	2,475	3,077
Other noninterest income	507	722
Total noninterest income	4,085	4,788
NONINTEREST EXPENSE
Salaries and wages	4,313	4,314
Employee benefits	1,156	1,182
Occupancy expense	626	627
Furniture and equipment expense	255	273
Data processing	783	760
Directors’ fees	123	112
Amortization of other intangible assets	33	74
Insurance agency commissions expense	0	512
FDIC insurance premium expense	384	458
Write-downs of other real estate owned	27	75
Other noninterest expenses	2,004	1,728
Total noninterest expense	9,704	10,115
INCOME BEFORE INCOME TAXES	2,270	2,021
Income tax expense	861	763
NET INCOME	$ 1,409	$ 1,258
Basic net income per common share (in dollars per share)	$ 0.11	$ 0.15
Diluted net income per common share (in dollars per share)	$ 0.11	$ 0.15
Dividends paid per common share (in dollars per share)	$ 0	$ 0