Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST AND DIVIDEND INCOME
Loans, including fees	$ 7,568	$ 7,996
Taxable securities	1,908	2,106
Tax exempt securities	727	713
Dividends	53	50
Federal funds sold and other interest income	10	21
TOTAL INTEREST AND DIVIDEND INCOME	10,266	10,886
INTEREST EXPENSE
Deposits	1,187	1,525
Short-term borrowings	12	42
Long-term borrowings	99	98
TOTAL INTEREST EXPENSE	1,298	1,665
NET INTEREST INCOME	8,968	9,221
Provision for loan losses	255	0
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	8,713	9,221
NONINTEREST INCOME
Service charges on deposit accounts	491	474
Bank owned life insurance income	117	135
Trust fees	1,346	1,418
Insurance agency commissions	42	36
Security gains (includes $14 thousand accumulated other comprehensive income reclassification for unrealized net gains on available-for-sale securities)	14	0
Investment commissions	262	186
Net gains on sale of loans	114	65
Other operating income	489	405
TOTAL NONINTEREST INCOME	2,875	2,719
NONINTEREST EXPENSES
Salaries and employee benefits	5,205	4,729
Occupancy and equipment	1,026	961
State and local taxes	329	307
Professional fees	484	407
Advertising	180	248
FDIC insurance	177	186
Intangible amortization	98	102
Core processing charges	346	388
Other operating expenses	1,243	1,302
TOTAL NONINTEREST EXPENSES	9,088	8,630
INCOME BEFORE INCOME TAXES	2,500	3,310
INCOME TAXES (includes $5 thousand income tax expense from reclassification items)	495	790
NET INCOME	$ 2,005	$ 2,520
NET INCOME PER SHARE - basic and diluted	$ 0.11	$ 0.13