CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Interest Income
Loans, Including Fees	$ 9,709	$ 9,689
Federal Funds Sold	15	9
Deposits with Other Banks	17	13
Investment Securities
U.S. Government Agencies	1,070	1,184
State, County and Municipal	25	28
Dividends on Other Investments	30	30
Interest Income	10,866	10,953
Interest Expense
Deposits	1,219	1,321
Borrowed Money	445	438
Interest Expense	1,664	1,759
Net Interest Income	9,202	9,194
Provision for Loan Losses	362	327
Net Interest Income After Provision for Loan Losses	8,840	8,867
Noninterest Income
Service Charges on Deposits	987	1,067
Other Service Charges, Commissions and Fees	662	581
Mortgage Fee Income	113	67
Securities Gains (Losses)	3	0
Other	447	347
Noninterest Income	2,212	2,062
Noninterest Expenses
Salaries and Employee Benefits	4,468	4,412
Occupancy and Equipment	993	1,020
Other	2,825	3,434
Noninterest Expense	8,286	8,866
Income Before Income Taxes	2,766	2,063
Income Taxes	883	606
Net Income	1,883	1,457
Preferred Stock Dividends	630	643
Net Income Available to Common Stockholders	$ 1,253	$ 814
Net Income Per Share of Common Stock
Basic (in dollars per share)	$ 0.15	$ 0.10
Diluted (in dollars per share)	$ 0.15	$ 0.10
Cash Dividends Declared Per Share of Common Stock (in dollars per share)	$ 0	$ 0
Weighted Average Basic Shares Outstanding (in shares)	8,439,258	8,439,258
Weighted Average Diluted Shares Outstanding (in shares)	8,439,258	8,439,258