Consolidated Statements of Cash Flows (Unaudited) (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 4,349	$ 3,840
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:
Amortization of premiums and accretion of discounts on securities, net	530	712
Depreciation and amortization expense	527	533
Deferred income taxes	(116)	87
Increase in cash value of life insurance	(112)	(122)
Gain on life insurance	(129)	0
Gain on sale of securities	(54)	(29)
Provision for loan losses	190	575
Proceeds from sales of loans	20,596	32,090
Loans originated for sale	(19,525)	(28,506)
Gain on sale of loans	(499)	(675)
Decrease in accrued interest receivable	109	82
Decrease in accrued interest payable	(38)	(65)
Net change in other assets/liabilities	(64)	722
Net Cash Provided By Operating Activities	5,764	9,244
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in interest-bearing time deposits	(2,210)	(820)
Purchase of securities available for sale	(20,657)	(23,460)
Proceeds from maturities of securities available for sale	16,655	19,047
Proceeds from sales of securities available for sale	5,669	517
Principal collected on mortgage-backed obligations	8,120	10,446
Net increase in loans receivable	(13,962)	(9,473)
Proceeds from sale of foreclosed real estate	411	299
Purchase of premises and equipment	(514)	(238)
Net Cash Used In Investing Activities	(6,488)	(3,682)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	27,219	(7,336)
Net decrease in advances from Federal Home Loan Bank	(5,500)	(100)
Net decrease in retail repurchase agreements	(9,310)	(3,655)
Purchase of treasury stock	(908)	(10)
Dividends paid	(1,750)	(1,684)
Net Cash Provided By (Used In) Financing Activities	9,751	(12,785)
Net Increase (Decrease) in Cash and Cash Equivalents	9,027	(7,223)
Cash and cash equivalents at beginning of period	11,136	21,811
Cash and Cash Equivalents at End of Period	$ 20,163	$ 14,588