Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Interest Income
Interest and fees on loans	$ 8,319	$ 8,878
Interest on interest-bearing deposits	58	71
Interest on securities - taxable	1,539	1,589
Interest on securities - nontaxable	1,648	1,576
Total interest income	11,564	12,114
Interest Expense
Interest on time deposits of $100,000 or more	268	425
Interest on other deposits	1,411	1,692
Total interest expense	1,679	2,117
Net interest income	9,885	9,997
Provision for loan losses	671	672
Net interest income after provision for loan losses	9,214	9,325
Noninterest Income
Service charges on deposit accounts	588	631
Other service charges and fees	60	49
Credit card fees	740	794
Trust income	289	326
BOLI income	188	200
Other income	150	99
Realized securities gains, net (includes accumulated other comprehensive income reclassification adjustments for unrealized net gains in available-for-sale securities of $95 for the three months ended March 31, 2013 and $44 for the three months ended March 31, 2012)	95	53
Total noninterest income	2,110	2,152
Noninterest Expense
Salaries and employee benefits	2,940	2,956
Occupancy and furniture and fixtures	432	397
Data processing and ATM	393	392
FDIC assessment	136	109
Credit card processing	552	572
Intangible assets amortization	271	271
Net costs of other real estate owned	75	48
Franchise taxes	258	162
Other operating expenses	889	804
Total noninterest expense	5,946	5,711
Income before income taxes	5,378	5,766
Income tax expense (includes income tax expense from reclassification items of $33 for the three months ended March 31, 2013 and $15 for the three months ended March 31, 2012)	1,162	1,337
Net Income	$ 4,216	$ 4,429
Basic net income per common share (in dollars per share)	$ 0.61	$ 0.64
Fully diluted net income per common share (in dollars per share)	$ 0.60	$ 0.64
Weighted average number of common shares outstanding - basic (in shares)	6,947,974	6,939,974
Weighted average number of common shares outstanding - diluted (in shares)	6,969,073	6,954,637
Dividends declared per share (in dollars per share)	$ 0	$ 0