Stock Based Compensation (Tables)

3 Months Ended

Mar. 31, 2014

Stock Based Compensation [Abstract]

Summary Of Activity For Stock Awards

	2014
	Shares	Weighted Average Fair Value Per Share
Non-vested - December 31, 2013	-	-
Unrestricted Shares Granted	4,470	$ 26.80
Shares Vested	(4,470)	$ 26.80
Non-vested - March 31, 2014	-	-

Schedule Of Assumptions Used

		2014 Awards						2013 Awards						2012 Awards
		1 Year Vest			3 Year Vest			1 Year Vest			3 Year Vest			1 Year Vest			3 Year Vest
Stock Price	$	25.95		$	25.95		$	17.66		$	17.66		$	19.35		$	19.35
Expected Volatilities		44.3	%		40.02	%		33.5	%		37.03	%		44.31	%		40.50	%
Correlation Coefficients		0.3735			0.5541			0.4729			0.6254			0.719			0.6938
Risk Free Rate		0.10	%		0.72	%		0.10	%		0.31	%		0.16	%		0.34	%
Dividend Yield		3.85	%		3.85	%		5.70	%		5.70	%		5.17	%		5.17	%
Simulated Fair Value	$	23.03		$	25.46		$	15.33		$	16.57		$	17.73		$	18.88
Fair Value as a % of Grant		88.74	%		98.10	%		86.81	%		93.83	%		91.63	%		97.57	%

Schedule Of Compensation Expense And Reductions In Earnings Per Share

	Three Months ended March 31,
		2014		2013
Stock-Based Compensation
Expense:
Stock Grants to Directors & Officers	$	30,000	$	30,000
RSUs Awards to Officers	$	416,000	$	243,000
Related Reduction in
Earnings Per Share 1	$	(0.04)	$	(0.03)
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, 2013	131,100	$                      18.77
Additional Awards Granted	-	-
Awards Granted	42,650	24.99
Awards Exercised	-	-
Awards Cancelled	-	-
Non-vested - March 31, 2014	173,750	$                      20.72