Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Dec. 31, 2011	Dec. 31, 2010
Assets:
Cash and due from banks	$ 20,683	$ 12,927
Interest bearing demand deposits	278	136
Federal funds sold	19,634	0
Cash and cash equivalents	40,595	13,063
Securities available for sale at fair value (amortized cost $178,300 and $227,331)	180,770	226,465
Loans held for sale (fair value $6,617 and $7,827)	6,464	7,666
Portfolio loans:
Commercial and commercial mortgage loans	517,970	550,686
Residential mortgage loans	93,757	92,796
Second and home equity loans	86,059	92,557
Other consumer loans	9,533	11,614
Total portfolio loans	707,319	747,653
Unearned income	(233)	(252)
Allowance for loan losses	(14,984)	(14,606)
Portfolio loans, net	692,102	732,795
Premises and equipment	16,617	16,228
Accrued interest receivable	3,085	3,785
Other assets	44,974	43,316
Total Assets	984,607	1,043,318
Liabilities and Shareholders' Equity:
Demand	103,864	86,425
Interest checking	222,314	177,613
Savings	52,181	45,764
Money market	222,229	224,382
Certificates of deposit	262,653	313,854
Retail deposits	863,241	848,038
Public fund certificates	102	5,305
Wholesale deposits	102	5,305
Total deposits	863,343	853,343
FHLB advances	0	53,284
Short term borrowings	0	12,088
Junior subordinated debt	15,464	15,464
Other liabilities	17,666	20,490
Total liabilities	896,473	954,669
Commitments and Contingencies
Shareholders' equity:
No par preferred stock; Authorized: 2,000,000 shares Issued and outstanding: 21,500 and 21,500 shares; Liquidation preference $1,000 per share	21,265	21,156
No par common stock; Authorized: 15,000,000 shares Issued and outstanding: 3,422,379 and 3,385,079 shares	21,735	21,230
Retained earnings, restricted	44,127	47,192
Accumulated other comprehensive income/(loss), net	1,007	(929)
Total shareholders' equity	88,134	88,649
Total Liabilities and Shareholders' Equity	$ 984,607	$ 1,043,318