Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest Income
Interest and Fees on Loans	$ 17,490	$ 18,057	$ 34,997	$ 36,138
Interest on Deposits with Banks	5	16	39	36
Interest on Investment Securities:
Taxable	2,399	2,151	4,741	4,812
Tax-Exempt	641	695	1,289	1,407
Total Interest Income	20,535	20,919	41,066	42,393
Interest Expense
Deposits	1,396	1,739	2,942	3,715
Borrowed Funds	545	545	1,083	1,084
Subordinated Debentures	82	82	163	162
Total Interest Expense	2,023	2,366	4,188	4,961
Net Interest Income	18,512	18,553	36,878	37,432
Provision for Loan Losses	3,925	5,120	4,450	9,235
Net Interest Income After Provision for Loan Losses	14,587	13,433	32,428	28,197
Non-Interest Income
Service Charges on Deposit Accounts	1,365	1,688	2,740	3,284
Net Gain on Investment Securities	0	7	0	2,853
Increase in Cash Surrender Value of Life Insurance	459	454	910	904
Debit Card and ATM Fees	708	651	1,374	1,250
(Loss) Gain on Non-Qualified Deferred Compensation Plan Investment	(15)	(730)	390	(535)
Other	478	472	915	1,029
Total Non-Interest Income	2,995	2,542	6,329	8,785
Non-Interest Expense
Salaries & Employee Benefits	7,463	7,062	14,705	14,336
(Loss) Gain on Non-Qualified Deferred Compensation Plan Investments	(15)	(730)	390	(535)
Occupancy	613	660	1,246	1,300
Equipment	711	658	1,425	1,259
ORE Holding Costs	367	91	892	495
FDIC Insurance	516	507	990	1,308
Other	1,578	1,598	3,021	3,036
Total Non-Interest Expense	11,233	9,846	22,669	21,199
Income Before Income Taxes	6,349	6,129	16,088	15,783
Provision for Income Taxes	2,194	2,122	5,807	5,726
Net Income	$ 4,155	$ 4,007	$ 10,281	$ 10,057
Earnings Per Share ( in dollars per share)	$ 5.33	$ 5.13	$ 13.19	$ 12.88