Schedule Of Impaired and Performing Loans Receivable [Table Text Block]

The composition of loans by loan classification for impaired and performing loan status at March 31, 2013 and December 31, 2012, is summarized in the tables below (amounts in thousands):

March 31, 2013	Commercial		Consumer		Construction		Commercial
	Real Estate-		Real Estate-		and Land		and		Consumer
	Mortgage		Mortgage		Development		Industrial		and Other		Total
Performing loans	$	116,417	$	66,790	$	32,271	$	37,513	$	1,825	$	254,816
Impaired loans		10,526		3,470		949		2,789		-		17,734
Total	$	126,943	$	70,260	$	33,220	$	40,302	$	1,825	$	272,550

December 31, 2012	Commercial		Consumer		Construction		Commercial
	Real Estate-		Real Estate-		and Land		and		Consumer
	Mortgage		Mortgage		Development		Industrial		and Other		Total
Performing loans	$	115,959	$	69,329	$	37,607	$	36,980	$	1,927	$	261,802
Impaired loans		9,213		1,866		950		3,160		-		15,189
Total	$	125,172	$	71,195	$	38,557	$	40,140	$	1,927	$	276,991

Schedule Of Financing Receivable Allowance For Credit Losses [Table Text Block]

The following tables detail the changes in the allowance for loan losses for the three month period ending March 31, 2013 and year ending December 31, 2012, by loan classification (amounts in thousands):

March 31, 2013	Commercial			Consumer			Construction			Commercial
	Real Estate-			Real Estate-			and Land			and			Consumer
	Mortgage			Mortgage			Development			Industrial			and Other			Total
Beginning balance	$	2,549		$	1,528		$	1,241		$	809		$	14		$	6,141
Charged-off loans		(227	)		(299	)		(155	)		(310	)		(13	)		(1,004	)
Recovery of charge-offs		51			157			9			14			1			232
Provision for loan losses		571			96			(413	)		38			8			300
Ending balance	$	2,994		$	1,482		$	682		$	551		$	10		$	5,669

December 31, 2012	Commercial			Consumer			Construction			Commercial
	Real Estate-			Real Estate-			and Land			and			Consumer
	Mortgage			Mortgage			Development			Industrial			and Other			Total
Beginning balance	$	3,557		$	2,518		$	827		$	482		$	16		$	7,400
Charged-off loans		(958	)		(1,022	)		(782	)		(74	)		(33	)		(2,869	)
Recovery of charge-offs		838			36			145			144			17			1,180
Provision for loan losses		(888	)		(4	)		1,051			257			14			430
Ending balance	$	2,549		$	1,528		$	1,241		$	809		$	14		$	6,141

Impaired Financing Receivables [Table Text Block]

After the Bank’s independent loan review department completes the loan grade assignment, a loan impairment analysis is performed on loans graded substandard or worse. The following tables present summary information pertaining to impaired loans by loan classification as of March 31, 2013 and December 31, 2012 (in thousands):

							For the quarter ended
	At March 31, 2013						March 31, 2013
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage	$	5,427	$	5,690	$	-	$	4,416	$	64
Consumer real estate – mortgage		2,524		2,524		-		1,518		32
Construction and land development		471		498		-		357		4
Commercial and industrial		2,045		2,102		-		2,078		9
Consumer and other		-		-		-		-		-
Total	$	10,467	$	10,814	$	-	$	8,369	$	109

Impaired loans with a valuation allowance:
Commercial real estate – mortgage	$	5,099	$	5,764	$	2,072	$	5,453	$	69
Consumer real estate – mortgage		946		946		570		1,149		12
Construction and land development		478		478		460		592		4
Commercial and industrial		744		744		476		896		20
Consumer and other		-		-		-		-		-
Total	$	7,267	$	7,932	$	3,578	$	8,090	$	105

Total impaired loans	$	17,734	$	18,746	$	3,578	$	16,459	$	214

							For the year ended
	At December 31, 2012						December 31, 2012
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
Impaired loans without a valuation allowance:
Commercial real estate – mortgage	$	3,406	$	3,453	$	-	$	4,389	$	180
Consumer real estate – mortgage		513		540		-		1,538		52
Construction and land development		244		251		-		358		19
Commercial and industrial		2,111		2,155		-		2,277		55
Consumer and other		-		-		-		-		-
Total	$	6,274	$	6,399	$	-	$	8,562	$	306

Impaired loans with a valuation allowance:
Commercial real estate – mortgage	$	5,807	$	5,848	$	2,230	$	6,616	$	215
Consumer real estate – mortgage		1,353		1,353		576		2,606		61
Construction and land development		706		706		460		642		49
Commercial and industrial		1,049		1,049		780		700		132
Consumer and other		-		-		-		-		-
Total	$	8,915	$	8,956	$	4,046	$	10,564	$	457

Total impaired loans	$	15,189	$	15,355	$	4,046	$	19,126	$	763

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following table presents a summary of loans that were modified as troubled debt restructurings during the three month period ending March 31, 2013 and 2012. (amounts in thousands):

		Pre-Modification		Post-Modification
		Outstanding Recorded		Outstanding Recorded
March 31, 2013	Number of Contracts	Investment		Investment

Commercial real estate-mortgage	6	$	8,354	$	8,354
Consumer real estate-mortgage	3		270		270
Construction and land development	1		459		459
Commercial and industrial	5		2,432		2,432

		Pre-Modification		Post-Modification
		Outstanding Recorded		Outstanding Recorded
March 31, 2012	Number of Contracts	Investment		Investment

Consumer real estate-mortgage	3	$	2,893	$	2,331
Construction and land development	1		591		456
Commercial and industrial	1		20		20

There were no loans that were modified as troubled debt restructurings during the past twelve months and for which there was a subsequent payment default.