Consolidated Statement of Cash Flows (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 6,668	$ 6,746
Adjustments to reconcile net income to net cash provided by operating activities:
Gain on sales of loans and foreclosed real estate, net of write-downs on foreclosed real estate	(49)	(296)
Earnings on investment in bank-owned life insurance	(735)	(732)
Gain on life insurance proceeds	(63)	0
Gain on sales or calls of securities	(7)	(1)
Depreciation and amortization	1,527	1,675
Provision for loan losses	3,375	3,610
Net amortization of investment securities premiums	657	445
Decrease (increase) in interest receivable	87	(173)
Increase (decrease) in interest payable	(109)	10
Mortgage loans originated for sale	(19,534)	(13,636)
Proceeds from loans sold to others	16,445	16,868
Decrease in other assets	1,594	2,165
Decrease in other liabilities	257	860
Net Cash Provided by Operating Activities	10,113	17,541
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities of investment securities held to maturity	1,576	0
Proceeds from maturities of investment securities available for sale	51,695	45,857
Purchase of investment securities held to maturity	(39,651)	0
Purchase of investment securities available for sale	(18,341)	(61,776)
Net increase in loans	(12,283)	(22,512)
Redemption of restricted investments in bank stocks	1,259	913
Investment in low-income housing project	(2,106)	0
Purchase of bank-owned life insurance	(1,940)	0
Capital expenditures	(1,092)	(1,700)
Proceeds from life insurance death benefits	273	0
Proceeds from sale of foreclosed real estate	1,205	6,179
Net Cash Used in Investing Activities	(19,405)	(33,039)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits	6,839	17,604
Net increase in time certificates of deposits and interest bearing deposits	41,717	37,043
Net increase in short-term borrowings	6,964	5,109
Dividends paid	(3,392)	(3,382)
Common stock issued	220	197
Proceeds from long-term borrowings	10,000	0
Repayments on long-term borrowings	(11,176)	(10,251)
Net Cash Provided by Financing Activities	51,172	46,320
Net Increase in Cash and Cash Equivalents	41,880	30,822
CASH AND CASH EQUIVALENTS - BEGINNING	22,623	24,173
CASH AND CASH EQUIVALENTS - ENDING	64,503	54,995
Interest paid	4,861	5,663
Incomes taxes paid	250	1,100
Loans transferred to foreclosed assets held for resale	$ 1,812	$ 2,344