Stock Based Compensation (Tables)

9 Months Ended

Sep. 30, 2013

Stock Based Compensation [Abstract]

Schedule Of Assumptions Used

		2013 Awards						2012 Awards
		1 Year Vest			3 Year Vest			1 Year Vest			3 Year Vest
Stock Price	$	17.66		$	17.66		$	19.35		$	19.35
Expected Volatilities		33.5	%		37.03	%		44.31	%		40.50	%
Correlation Coefficients		0.4729			0.6254			0.719			0.6938
Risk Free Rate		0.1	%		0.31	%		0.16	%		0.34	%
Dividend Yield		5.7	%		5.70	%		5.17	%		5.17	%
Simulated Fair Value	$	15.33		$	16.57		$	17.73		$	18.88
Fair Value as a % of Grant		86.81	%		93.83	%		91.63	%		97.57	%

Schedule Of Compensation Expense And Reductions In Earnings Per Share

	Three Months ended September 30,				Nine Months ended September 30,
		2013		2012		2013		2012
Stock-Based Compensation
Expense:
Stock Grants to Directors & Officers	$	30,000	$	30,000	$	90,000	$	390,000
RSUs Awards to Officers	$	272,000	$	307,000	$	933,000	$	491,000
Related Reduction in
Earnings Per Share 1		(0.03)		(0.05)		(0.09)		(0.12)
1  Same for basic and diluted earnings per share

Summary Of Activity For Stock Awards

	2013
	Shares	Weighted Average Fair Value Per Share
Non-vested - December 31, 2012	-	-
Unrestricted Shares Granted	6,708	$ 17.89
Shares Vested	(6,708)	$ 17.89
Shares Forfeited	-	-
Non-vested - September 30, 2013	-	-

Summary Of RSU Activity And Related Information

	Number of RSU's	Weighted Average Grant Date Fair Value
Non-vested - December 31, 2012	65,500	$ 21.48
Additional Awards Granted	8,188	19.35
Awards Granted	121,100	17.37
Awards Exercised	(57,402)	19.15
Awards Cancelled	(6,286)	18.02
Non-vested - September 30, 2013	131,100	$ 18.77