Stock Based Compensation (Tables)

12 Months Ended

Dec. 31, 2013

Stock Based Compensation [Abstract]

Summary Of Activity For Stock Awards

	2013		2012
	Shares	Weighted Average Fair Value Per Share	Shares	Weighted Average Fair Value Per Share
Non-vested - December 31,	-	-	87,500	$ 22.92
Unrestricted Shares Granted	6,708	$ 17.89	5,712	$ 21.01
Shares Vested	(6,708)	$ 17.89	(93,212)	$ 22.79
Shares Forfeited	-	-	-	-
Non-vested - December 31,	-	-	-	-

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	%		5.7	%		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

	Years Ended December 31,
(All Amounts in Thousands)		2013		2012
Stock-Based Compensation
Expense:
Stock Grants to Directors & Officers	$	120	$	420
RSUs Awards to Officers	$	1,299	$	797
Related Reduction in
Earnings Per Share 1	$	(0.13)	$	(0.11)
1Same for basic and diluted earnings per share

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 - December 31, 2013	131,100	$	18.77