Consolidated Statement of Cash Flows (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,418	$ 2,236
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	(267)	(5)
Earnings on investment in bank-owned life insurance	(241)	(238)
Gain on sales or calls of securities	0	(4)
Depreciation and amortization	506	510
Provision for loan losses	650	1,125
Net amortization of investment securities premiums	237	225
(Increase) decrease in interest receivable	(56)	19
Decrease in interest payable	(291)	(139)
Mortgage loans originated for sale	(10,690)	(2,888)
Proceeds from loans sold to others	14,772	1,060
(Increase) decrease in other assets	(581)	406
Increase (decrease) in other liabilities	154	(332)
Net Cash Provided by Operating Activities	6,611	1,975
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities of investment securities held to maturity	1,028	0
Proceeds from maturities of investment securities available for sale	13,326	16,865
Purchase of investment securities held to maturity	(12,228)	0
Purchase of investment securities available for sale	(874)	(12,141)
Net decrease (increase) in loans	2,119	(10,522)
Redemption of restricted investments in bank stocks	552	342
Purchase of bank-owned life insurance	(140)	0
Capital expenditures	(233)	(574)
Proceeds from sale of foreclosed real estate	472	149
Net Cash Provided by (Used in) Investing Activities	4,022	(5,881)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits	9,283	3,764
Net (decrease) increase in time certificates of deposits and interest bearing deposits	(11,873)	1,398
Net decrease in short-term borrowings	(5,034)	(1,542)
Dividends paid	(1,133)	(1,130)
Common stock issued	90	53
Proceeds from long-term borrowings	0	10,000
Repayments on long-term borrowings	(7,062)	(1,058)
Net Cash (Used in) Provided by Financing Activities	(15,729)	11,485
Net (Decrease) Increase in Cash and Cash Equivalents	(5,096)	7,579
CASH AND CASH EQUIVALENTS - BEGINNING	51,385	22,623
CASH AND CASH EQUIVALENTS - ENDING	46,289	30,202
Interest paid	1,423	1,770
Incomes taxes paid	725	0
Loans transferred to foreclosed assets held for resale	$ 212	$ 517