Consolidated Statement of Income (Unaudited) (USD $) In Thousands, except Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME:
Loans, including fees	$ 7,088	$ 8,086	$ 15,111	$ 16,568
Debt Securities:
U.S. Treasury securities	107	76	207	102
Securities of U.S. Government agencies	1,046	1,087	1,980	2,301
Obligations of states and political subdivisions	536	532	1,068	1,076
Dividends	48	48	97	96
Federal funds sold	3	4	9	6
Other	16	36	27	44
Total Interest Income	8,844	9,869	18,499	20,193
INTEREST EXPENSE:
Deposits	1,772	2,321	3,655	4,776
Federal Funds purchased and securities sold under agreements to repurchase	76	66	151	134
Borrowed funds	261	422	524	819
Total Interest Expense	2,109	2,809	4,330	5,729
NET INTEREST INCOME BEFORE PROVISION FOR LOAN LOSSES	6,735	7,060	14,169	14,464
PROVISION FOR LOAN LOSSES (Note 4)	657	1,985	1,429	3,675
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,078	5,075	12,740	10,789
NONINTEREST INCOME
Customer service fees	914	743	1,705	1,512
Other service charges and fees	837	837	1,613	1,567
Net gain (loss) on sale of other assets owned	(166)	(16)	(814)	(32)
Net gain on sale of loans	63	109	138	176
Net gain on sale of securities	33	260	372	518
Total Noninterest Income	1,681	1,933	3,014	3,741
NONINTEREST EXPENSE
Salaries and wages	2,155	2,018	4,408	4,332
Pension and other employee benefits	546	658	1,361	1,569
Occupancy expense (net)	457	211	770	484
Furniture and Equipment	352	433	744	848
Data processing	230	255	460	522
Franchise Taxes	224	208	442	448
FDIC Assessment	120	270	440	524
Mortgage servicing rights amortization	90	93	181	196
Other general and administrative	1,392	1,122	2,328	2,282
Total Noninterest Expense	5,566	5,268	11,134	11,205
INCOME BEFORE FEDERAL INCOME TAX	2,193	1,740	4,620	3,325
FEDERAL INCOME TAXES	626	399	1,072	728
NET INCOME	1,567	1,341	3,548	2,597
OTHER COMPREHENSIVE INCOME (NET OF TAX):
Unrealized gains on securities	2,029	534	2,614	224
COMPREHENSIVE INCOME	$ 3,596	$ 1,875	$ 6,162	$ 2,821
NET INCOME PER SHARE	$ 0.33	$ 0.28	$ 0.76	$ 0.55
Weighted Average Shares Outstanding	4,686,008	4,730,309	4,689,285	4,732,402
DIVIDENDS DECLARED	$ 0.19	$ 0.18	$ 0.38	$ 0.36