CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
OPERATING ACTIVITIES
Net income	$ 2,406	$ 2,648
Adjustments to reconcile net income to net cash flows from operating activities:
Provision for loan losses	1,032	825
Deferred income tax expense (benefit)	202	(276)
Proceeds from sales of loans	11,459	212
Originations of loans held-for-sale	(11,016)	(195)
Realized gains on sales and redemptions of:
Real estate acquired through foreclosure	(27)	(44)
Loans	(443)	(17)
Available-for-sale investment securities	(365)	(375)
Premise and equipment	(6)	0
Depreciation	715	781
Amortization of mortgage servicing rights	10	7
Amortization of deferred loan costs	111	160
Earnings on bank owned life insurance	(222)	(272)
Realized gain on proceeds from bank owned life insurance	(2)	(37)
Net amortization of premiums and discounts on investment securities	722	1,053
Amortization of intangible assets	1	0
Stock based compensation and ESOP expense	243	193
Net change in accrued interest receivable	2	(32)
Pension plan contribution	0	(2,600)
Net change in other assets and liabilities	289	735
Net cash flows from operating activities	5,111	2,766
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(30,036)	(50,662)
Purchase of investment securities held-to-maturity	(10,433)	0
Net purchases of Federal Home Loan Bank stock	(511)	(401)
Proceeds from maturities of interest earning time deposits	1,500	0
Proceeds from maturities and principal reductions of investment securities available-for-sale	21,831	26,346
Proceeds from maturities and principal reductions of investment securities held-to-maturity	355	0
Proceeds from sales and redemptions of:
Available-for-sale investment securities	7,151	16,511
Real estate acquired through foreclosure	375	470
Premises and equipment	18	0
Acquisition of controlling interest in Fitzgibbons Agency, net of cash acquired of $18	(356)	0
Proceeds from bank owned life insurance	2	202
Net change in loans	(9,075)	(29,819)
Purchase of premises and equipment	(2,263)	(192)
Net cash flows from investing activities	(21,442)	(37,545)
FINANCING ACTIVITIES
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits	21,764	15,700
Net change in time deposits and brokered deposits	(3,429)	9,976
Net change in short-term borrowings	15,000	9,000
Payments on long-term borrowings	(9,111)	(4,110)
Proceeds from long-term borrowings	0	4,000
Purchase of CPP warrants from the US Treasury	0	(537)
Proceeds from exercise of stock options	45	5
Cash dividends paid to preferred shareholder - SBLF	(83)	(507)
Cash dividends paid to common shareholders	(303)	(301)
Change in non-controlling interest, net	358	0
Net cash flows from financing activities	24,241	33,226
Change in cash and cash equivalents	7,910	(1,553)
Cash and cash equivalents at beginning of period	8,665	10,218
Cash and cash equivalents at end of period	16,575	8,665
CASH PAID DURING THE PERIOD FOR:
Interest	3,318	3,913
Income taxes	967	403
NON-CASH INVESTING ACTIVITY
Real Estate acquired in exchange for loans	587	357
Transfer of available-for-sale securities to held-to-maturity	$ 32,495	$ 0