Consolidated Statement of Cash Flows (USD $) In Thousands	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 6,746	$ 6,791
Adjustments to reconcile net income to net cash provided by operating activities:
Gain on sales of loans and foreclosed real estate, net of writedowns on foreclosed real estate	(296)	(68)
Earnings on investment in bank-owned life insurance	(732)	(759)
Gain on life insurance proceeds	0	(78)
Gain on sales of securities	(1)	(72)
Depreciation and amortization	1,675	1,773
Provision for loan losses	3,610	4,610
Net amortization of investment securities premiums	445	73
Increase in interest receivable	(173)	(296)
Increase (decrease) in interest payable	10	(129)
Mortgage loans originated for sale	(13,636)	(23,385)
Proceeds from loans sold to others	16,868	19,992
(Increase) decrease in other assets	2,165	(496)
Increase in other liabilities	860	140
Net Cash Provided by Operating Activities	17,541	8,096
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities of investment securities available for sale	45,857	43,996
Proceeds from sales of investment securities available for sale	0	6,561
Purchase of investment securities available for sale	(61,776)	(41,381)
Net increase in loans	(22,512)	(29,115)
Redemption of restricted investments in bank stocks	913	0
Purchase of bank-owned life insurance	0	(250)
Capital expenditures	(1,700)	(903)
Proceeds from life insurance death benefits	0	294
Proceeds from sales of foreclosed real estate	6,179	656
Net Cash Used in Investing Activities	(33,039)	(20,142)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits	17,604	12,258
Net increase in time certificates of deposits and interest bearing deposits	37,043	24,082
Net increase (decrease) in short-term borrowings	5,109	(13,506)
Dividends paid	(3,382)	(3,379)
Common stock issued	197	0
Proceeds from long-term borrowings	0	22,000
Repayments on long-term borrowings	(10,251)	(20,683)
Net Cash Provided by Financing Activities	46,320	20,772
Net Increase in Cash and Cash Equivalents	30,822	8,726
CASH AND CASH EQUIVALENTS - BEGINNING	24,173	24,138
CASH AND CASH EQUIVALENTS - ENDING	54,995	32,864
Interest paid	5,663	7,554
Incomes taxes paid	1,100	2,300
Loans transferred to foreclosed assets held for sale	$ 2,344	$ 2,669