Consolidated Balance Sheets (Unaudited) (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and cash equivalents	$ 72,224	$ 78,833
Federal funds sold	265	275
Securities available for sale	85,890	59,228
Loans held for sale	930	2,637
Loans, net of allowance for loan losses of $5,398 - 2011 ($5,694 - 2010)	308,228	303,830
Premises and equipment, net	12,498	12,599
Accrued interest receivable	2,416	2,107
Net cash surrender value of life insurance	10,216	9,965
Goodwill	13,422	13,422
Other intangible assets, net	1,751	2,005
Other assets	7,521	8,979
TOTAL ASSETS	515,361	493,880
Deposits:
Non-interest bearing	61,468	59,942
Interest bearing	367,793	349,959
Total deposits	429,261	409,901
Securities sold under agreements to repurchase and overnight borrowings	16,166	15,027
Accrued expenses and other liabilities	3,956	4,476
Other borrowings	8,495	10,079
Subordinated debentures	5,155	5,155
Common stock subject to repurchase obligation in Employee Stock Ownership Plan, shares outstanding - 112,002 in 2011 (107,627 shares in 2010)	1,344	1,399
Total liabilities	464,377	446,037
SHAREHOLDERS' EQUITY
Preferred stock, 100,000 shares authorized; none issued or outstanding
Common stock, $2.50 par value: Authorized - 4,000,000 shares; Issued - 2,358,599 shares in 2011 (2,340,717 shares in 2010) Outstanding (other than ESOP shares) - 2,246,597 shares in 2011 (2,233,090 shares in 2010)	5,616	5,583
Additional paid-in capital	18,173	18,033
Retained earnings	26,736	24,692
Accumulated other comprehensive income (loss), net	661	(168)
Unearned Employee Stock Ownership Plan shares	(202)	(297)
Total shareholders' equity	50,984	47,843
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 515,361	$ 493,880