Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST AND DIVIDEND INCOME
Loans, including fees	$ 4,276	$ 4,286	$ 8,512	$ 8,588
Taxable securities	613	647	1,208	1,398
Nontaxable securities	102	82	200	166
Other	11	14	28	33
Total interest and dividend income	5,002	5,029	9,948	10,185
INTEREST EXPENSE
Deposits	705	876	1,491	1,752
Other borrowings	201	320	427	719
Total interest expense	906	1,196	1,918	2,471
NET INTEREST INCOME	4,096	3,833	8,030	7,714
PROVISION FOR LOAN LOSSES	190	239	470	758
Net interest income after provision for loan losses	3,906	3,594	7,560	6,956
NONINTEREST INCOME
Service charges on deposit accounts	279	286	524	555
Trust services	190	124	350	266
Debit card interchange fees	152	126	290	234
Gain on sale of loans, net	29	45	99	91
Securities gains, net		148		148
Other income	134	160	282	326
Total noninterest income	784	889	1,545	1,620
NONINTEREST EXPENSES
Salaries and employee benefits	1,793	1,744	3,556	3,349
Occupancy expense	204	192	423	412
Equipment expense	123	124	243	251
Professional fees	177	170	336	324
Franchise tax expense	135	135	270	270
Software expense	35	61	126	126
Marketing and public relations	73	85	132	156
FDIC deposit insurance	108	163	218	308
Debit card expense	63	58	126	110
Amortization of intangible assets	16	16	31	32
Other expenses	556	402	942	853
Total noninterest expenses	3,283	3,150	6,403	6,191
Income before income taxes	1,407	1,333	2,702	2,385
FEDERAL INCOME TAX PROVISION	435	412	834	727
NET INCOME	$ 972	$ 921	$ 1,868	$ 1,658
Basic and diluted net income per share	$ 0.35	$ 0.34	$ 0.68	$ 0.59