CONSOLIDATED STATEMENTS OF INCOME (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
INTEREST INCOME
Interest and fees on loans	$ 20,471	$ 22,599	$ 23,369
Interest and dividend income on investment securities:
Taxable	6,843	7,956	9,729
Tax-exempt	3,533	4,308	3,865
Dividends	96	72	60
Interest on deposits in banks	18	1	4
Interest on federal funds sold	0	0	1
Total interest income	30,961	34,936	37,028
INTEREST EXPENSE
Interest on deposits	3,623	4,556	6,718
Interest on short-term borrowings	105	118	164
Interest on long-term borrowings	1,226	1,840	2,523
Total interest expense	4,954	6,514	9,405
Net interest income	26,007	28,422	27,623
Provision for loan losses	1,372	1,600	1,900
Net interest income after provision for loan losses	24,635	26,822	25,723
NON-INTEREST INCOME
Trust department	841	746	585
Service charges and fees	1,402	1,205	1,305
Bank owned life insurance income	687	724	757
ATM fees and debit card income	1,000	977	918
Gains on sales of mortgage loans	618	1,016	368
Investment securities gains (losses) - net	2,900	813	111
Other	427	452	387
Total non-interest income	7,875	5,933	4,431
NON-INTEREST EXPENSE
Salaries and employee benefits	10,929	10,413	9,480
Occupancy, net	1,523	1,405	1,364
Furniture and equipment	641	586	439
Computer expense	1,062	1,063	997
Professional services	534	607	617
State shares tax	782	762	731
FDIC insurance	422	486	634
ATM and debit card fees	529	469	377
FHLB prepayment penalties	345	811	0
Other	3,079	3,796	3,056
Total non-interest expense	19,846	20,398	17,695
Income before income tax expense	12,664	12,357	12,459
Income tax expense	2,391	2,187	2,552
NET INCOME	$ 10,273	$ 10,170	$ 9,907
Net Income Per Share:
Basic	$ 1.87	$ 1.86	$ 1.82
Diluted	$ 1.87	$ 1.86	$ 1.82
Cash dividends per share	$ 1.04	$ 1.01	$ 0.97