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:
Loans, including fees	$ 4,386	$ 4,748	$ 8,847	$ 9,549
Securities:
Taxable	171	142	309	323
Tax-exempt	218	198	434	402
Other	47	34	98	57
Total interest income	4,822	5,122	9,688	10,331
Interest expense:
Deposits	803	934	1,647	1,935
Other	148	175	307	343
Total interest expense	951	1,109	1,954	2,278
Net interest income	3,871	4,013	7,734	8,053
Provision for loan losses	375	150	500	350
Net interest income after provision for loan losses	3,496	3,863	7,234	7,703
Non-interest income:
Service charges on deposit accounts	568	612	1,079	1,182
Trust fees	293	243	568	496
Net gains on security calls and sales		207	2	207
Net gains on loan sales	(205)	(161)	(522)	(281)
Earnings on life insurance assets	84	76	164	150
Gain on life insurance proceeds				156
Income from loan servicing	128	85	225	163
ATM and debit card fee income	257	218	492	425
Other	119	112	257	278
Total non-interest income	1,654	1,714	3,309	3,338
Non-interest expense:
Salaries and employee benefits	2,346	2,437	4,884	4,938
Occupancy, net	336	363	709	744
Equipment	204	233	407	454
Printing, postage and supplies	102	146	243	291
Telecommunication expenses	98	96	197	174
Professional and outside services	199	232	420	525
FDIC assessments	110	147	275	316
Software maintenance	110	97	215	208
Amortization of other intangibles	84	88	169	175
Expenses relating to OREO property	86	154	131	352
ATM expenses	92	83	174	164
Other	421	481	820	906
Total non-interest expense	4,188	4,557	8,644	9,247
INCOME BEFORE INCOME TAXES	962	1,020	1,899	1,794
Federal income tax provision	200	217	389	289
NET INCOME	$ 762	$ 803	$ 1,510	$ 1,505
Basic Earnings Per Common Share	$ 0.33	$ 0.35	$ 0.65	$ 0.65
Diluted Earnings Per Common Share	$ 0.33	$ 0.35	$ 0.65	$ 0.65
Dividends Declared Per Common Share	$ 0.05	$ 0.05	$ 0.10	$ 0.10