CONSOLIDATED STATEMENT OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
OPERATING ACTIVITIES:
Net Income	$ 10,754	$ 8,967
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	569	526
Provision for loan losses	1,800	1,800
Accretion and amortization of investment security discounts and premiums	(816)	(1,320)
Securities gains, net	(1,206)	(142)
Originations of loans held for sale	(32,116)	(28,756)
Proceeds of loans held for sale	34,671	32,641
Gain on sale of loans	(1,053)	(850)
Earnings on bank-owned life insurance	(539)	(461)
Decrease in prepaid federal deposit insurance	315	337
Other, net	(1,189)	(412)
Net cash provided by operating activities	11,190	12,330
Investment securities available for sale:
Proceeds from sales	35,847	11,992
Proceeds from calls and maturities	17,259	9,601
Purchases	(64,965)	(58,272)
Investment securities held to maturity:
Proceeds from sales		5
Proceeds from calls and maturities	55	25
Net increase in loans	(50,513)	(17,275)
Acquisition of bank premises and equipment	(1,109)	(394)
Proceeds from the sale of foreclosed assets	700	388
Purchase of bank-owned life insurance	(33)	(39)
Proceeds from bank-owned life insurance death benefit	383
Proceeds from redemption of regulatory stock	1,034	985
Net cash used for investing activities	(61,342)	(52,984)
FINANCING ACTIVITIES:
Net increase in interest-bearing deposits	55,515	42,356
Net increase in noninterest-bearing deposits	3,931	15,436
Proceeds of long-term borrowings, FHLB	15,000
Net decrease in short-term borrowings	(11,666)	(9,715)
Dividends paid	(5,411)	(5,293)
Issuance of common stock	42	52
Net cash provided by financing activities	57,411	42,836
NET INCREASE IN CASH AND CASH EQUIVALENTS	7,259	2,182
CASH AND CASH EQUIVALENTS, BEGINNING	13,885	9,493
CASH AND CASH EQUIVALENTS, ENDING	21,144	11,675
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid	4,809	6,048
Income taxes paid	2,350	1,790
Transfer of loans to foreclosed real estate		$ 2,008