Condensed Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
INTEREST INCOME:
Loans, including fees	$ 7,142	$ 8,310	$ 22,253	$ 24,878
Debt Securities:
U.S. Treasury securities	86	88	293	190
Securities of U.S. Government agencies	1,052	1,019	3,032	3,320
Obligations of states and political subdivisions	520	536	1,588	1,612
Dividends	43	48	140	144
Federal funds sold	3	11	12	17
Other	9	13	36	57
Total Interest Income	8,855	10,025	27,354	30,218
INTEREST EXPENSE:
Deposits	1,686	2,241	5,341	7,017
Federal Funds purchased and securities sold under agreements to repurchase	76	70	227	204
Borrowed funds	229	366	753	1,185
Total Interest Expense	1,991	2,677	6,321	8,406
NET INTEREST INCOME BEFORE PROVISION FOR LOAN LOSSES	6,864	7,348	21,033	21,812
PROVISION FOR LOAN LOSSES (Note 4)	93	1,200	1,522	4,875
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,771	6,148	19,511	16,937
NONINTEREST INCOME
Customer service fees	610	936	2,315	2,592
Other service charges and fees	908	789	2,521	2,212
Net gain (loss) on sale of other assets owned	(195)	(6)	(1,009)	(38)
Net gain on sale of loans	111	225	249	401
Net gain on sale of securities	132	438	504	956
Total Noninterest Income	1,566	2,382	4,580	6,123
NONINTEREST EXPENSE
Salaries and wages	2,377	2,184	6,785	6,516
Pension and other employee benefits	636	640	1,997	2,209
Occupancy expense (net)	358	232	1,128	716
Furniture and Equipment	315	434	1,059	1,282
Data processing	258	233	718	754
Franchise Taxes	225	208	667	655
FDIC Assessment	161	256	601	780
Mortgage servicing rights amortization	133	214	314	410
Other general and administrative	1,074	1,111	3,402	3,394
Total Noninterest Expense	5,537	5,512	16,671	16,716
INCOME BEFORE FEDERAL INCOME TAX	2,800	3,018	7,420	6,344
FEDERAL INCOME TAXES	719	821	1,791	1,548
NET INCOME	2,081	2,197	5,629	4,796
OTHER COMPREHENSIVE INCOME (NET OF TAX):
Unrealized gains on securities	3,794	1,078	6,408	1,303
COMPREHENSIVE INCOME	$ 5,875	$ 3,275	$ 12,037	$ 6,099
NET INCOME PER SHARE	$ 0.44	$ 0.47	$ 1.20	$ 1.02
Weighted Average Shares Outstanding	4,687,169	4,710,402	4,688,731	4,724,988
DIVIDENDS DECLARED	$ 0.19	$ 0.18	$ 0.57	$ 0.54