Consolidated Statements of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST INCOME
Loans, including fees	$ 8,254	$ 8,563
Securities:
Taxable	1,040	1,335
Tax-exempt	348	366
Dividends	4	3
Other	20	4
Total Interest Income	9,666	10,271
INTEREST EXPENSE
Deposits	661	916
Short-term borrowings	12	20
Long-term borrowings	459	695
Total Interest Expense	1,132	1,631
Net Interest Income	8,534	8,640
PROVISION FOR LOAN LOSSES	650	1,125
Net Interest Income after Provision for Loan Losses	7,884	7,515
OTHER INCOME
Service charges on deposit accounts	538	552
Income from fiduciary activities	331	288
Earnings on investment in bank-owned life insurance	241	238
Net gains on sales or calls of securities	0	4
Service charges on ATM and debit card transactions	319	309
Commissions from insurance sales	1,131	1,205
Other	385	220
Total Other Income	2,945	2,816
OTHER EXPENSES
Salaries and employee benefits	4,748	4,573
Net occupancy	515	493
Equipment	658	611
Other tax	238	223
Professional services	244	191
Supplies and postage	131	175
Marketing and corporate relations	99	100
FDIC and regulatory	209	233
Intangible assets amortization	160	160
Foreclosed real estate (income) expenses	(21)	65
Other operating	775	715
Total Other Expenses	7,756	7,539
Income before Income Taxes	3,073	2,792
PROVISION FOR INCOME TAXES	655	556
Net Income	$ 2,418	$ 2,236
PER SHARE DATA
Basic earnings	$ 0.41	$ 0.38
Cash dividends declared	$ 0.19	$ 0.19