Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
INTEREST AND DIVIDEND INCOME
Loans, including fees	$ 7,996	$ 8,466
Taxable securities	2,106	1,869
Tax exempt securities	713	739
Dividends	50	46
Federal funds sold and other interest income	21	9
TOTAL INTEREST AND DIVIDEND INCOME	10,886	11,129
INTEREST EXPENSE
Deposits	1,525	1,698
Short-term borrowings	42	97
Long-term borrowings	98	251
TOTAL INTEREST EXPENSE	1,665	2,046
NET INTEREST INCOME	9,221	9,083
Provision for loan losses	0	1,875
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	9,221	7,208
NONINTEREST INCOME
Service charges on deposit accounts	474	473
Bank owned life insurance income, including death benefits	135	159
Trust fees	1,418	1,338
Insurance agency commissions	36	64
Investment commissions	186	191
Net gains on sale of loans	65	0
Other operating income	414	392
TOTAL NONINTEREST INCOME	2,728	2,617
NONINTEREST EXPENSES
Salaries and employee benefits	4,729	4,188
Occupancy and equipment	1,059	916
State and local taxes	307	247
Professional fees	407	406
Advertising	248	145
FDIC insurance	186	348
Intangible amortization	102	143
Core processing charges	301	245
Other operating expenses	1,300	1,176
TOTAL NONINTEREST EXPENSES	8,639	7,814
INCOME BEFORE INCOME TAXES	3,310	2,011
INCOME TAXES	790	321
NET INCOME	$ 2,520	$ 1,690
NET INCOME PER SHARE--basic and diluted	$ 0.13	$ 0.10