Consolidated Statements of Income (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	$ 8,605	$ 9,476	$ 17,228	$ 18,271
Securities:
Taxable	1,550	1,857	3,081	3,797
Tax-exempt	304	333	608	690
Dividends	3	8	6	15
Other	26	16	45	42
Total Interest Income	10,488	11,690	20,968	22,815
INTEREST EXPENSE
Deposits	1,111	1,602	2,247	3,275
Short-term borrowings	28	31	48	73
Long-term borrowings	755	849	1,515	1,689
Total Interest Expense	1,894	2,482	3,810	5,037
Net Interest Income	8,594	9,208	17,158	17,778
PROVISION FOR LOAN LOSSES	1,310	2,351	2,410	3,210
Net Interest Income after Provision for Loan Losses	7,284	6,857	14,748	14,568
OTHER INCOME
Service charges on deposit accounts	603	589	1,166	1,150
Income from fiduciary activities	329	326	702	603
Earnings on investment in bank-owned life insurance	251	260	488	507
Gain on life insurance proceeds		78		78
Net (losses) gains on sales of securities		(1)		25
Service charges on ATM and debit card transactions	320	290	598	544
Commissions from insurance sales	1,308	1,406	2,513	2,603
Other	196	212	497	518
Total Other Income	3,007	3,160	5,964	6,028
OTHER EXPENSES
Salaries and employee benefits	4,335	4,327	8,465	8,495
Net Occupancy	500	530	1,056	1,138
Equipment	682	605	1,344	1,231
Other tax	175	204	383	406
Professional services	261	236	470	481
Supplies and postage	166	177	320	345
Marketing	128	138	252	209
FDIC and regulatory	335	349	740	706
Intangible assets amortization	160	160	321	321
Other operating	911	764	1,521	1,630
Total Other Expenses	7,653	7,490	14,872	14,962
Income Before Income Taxes	2,638	2,527	5,840	5,634
PROVISION FOR INCOME TAXES	532	462	1,274	1,147
Net Income	$ 2,106	$ 2,065	$ 4,566	$ 4,487
PER SHARE DATA
Basic earnings	$ 0.36	$ 0.35	$ 0.77	$ 0.76
Cash dividends declared	$ 0.19	$ 0.19	$ 0.38	$ 0.38