CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Operating Activities
Net income	$ 1,606	$ 1,113
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	900	1,350
Depreciation and amortization	232	262
Amortization (accretion) of premiums and discounts	460	512
Amortization of intangibles	33	33
Amortization of loan servicing rights	72	86
Amortization of deferred loan fees	(43)	(114)
Income from cash surrender value of bank-owned life insurance policies	(169)	(168)
Federal deferred income tax expense (benefit)	191	860
Securities gains, net	0	(178)
Share-based compensation expense	68	72
Loans originated for sale	(18,361)	(29,879)
Proceeds from sales of loan originations	21,734	31,919
Net gain from loan sales	(703)	(656)
Net loss on sale of other assets	34	13
Net decrease (increase) in accrued interest receivable and other assets	(3,237)	(4,054)
Net increase (decrease) in accrued interest payable, taxes and other liabilities	(1,176)	2,493
Net cash provided by operating activities	1,641	3,664
Investing Activities
Proceeds from sales of available-for-sale securities	0	2,280
Proceeds from maturities of available-for-sale securities	11,387	31,171
Purchase of available-for-sale securities	(10,399)	(54,455)
Net increase in loans made to customers	(9,364)	(8,453)
Proceeds from the sale of other real estate owned	172	141
Purchase of bank premises and equipment	(53)	(129)
Proceeds from sale of bank premises and equipment	9	0
Net cash provided by (used in) investing activities	(8,248)	(29,445)
Financing Activities
Net increase (decrease) in demand and other noninterest-bearing	569	(3,581)
Net increase in savings, money market and interest-bearing demand	36,364	19,793
Net decrease in certificates of deposit	(5,671)	33,372
Net increase (decrease) in short-term borrowings	(851)	774
Proceeds from Federal Home Loan Bank advances	0	53
Payment of Federal Home Loan Bank advances	52	(3)
Redemption of Fixed-Rate Cumulative Perpetual Preferred stock	(7,670)	0
Purchase of Treasury Stock	(85)	0
Dividends paid	(132)	(332)
Net cash provided by financing activities	22,576	50,076
Net increase (decrease) in cash and cash equivalents	15,969	24,295
Cash and cash equivalents, January 1	52,272	30,659
Cash and cash equivalents, March 31	68,241	54,954
Supplemental cash flow information
Interest paid	1,520	1,623
Income taxes paid	0	465
Transfer of loans to other real estate owned	$ 609	$ 40