Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
INTEREST AND DIVIDEND INCOME
Loans, including fees	$ 4,645	$ 4,413	$ 13,705	$ 13,421
Taxable securities	661	669	2,182	1,835
Nontaxable securities	115	130	345	385
Other	14	23	23	67
Total interest and dividend income	5,435	5,235	16,255	15,708
INTEREST EXPENSE
Deposits	291	423	884	1,346
Short-term borrowings	18	18	59	50
Other borrowings	129	117	372	351
Total interest expense	438	558	1,315	1,747
NET INTEREST INCOME	4,997	4,677	14,940	13,961
PROVISION FOR LOAN LOSSES	123	210	458	630
Net interest income, after provision for loan losses	4,874	4,467	14,482	13,331
NONINTEREST INCOME
Service charges on deposit accounts	324	353	937	1,001
Trust services	199	201	617	641
Debit card interchange fees	236	198	667	566
Bank-owned life insurance	67	67	197	188
Gain on sale of loans, net	77	67	145	283
Securities gain, net	0	149	133	159
Other	174	155	493	456
Total noninterest income	1,077	1,190	3,189	3,294
NONINTEREST EXPENSES
Salaries and employee benefits	2,123	2,028	6,253	6,119
Occupancy expense	255	245	761	758
Equipment expense	180	182	549	525
Professional and director fees	132	174	528	465
Franchise tax expense	107	147	320	440
FDIC insurance expense	90	90	267	262
Software expense	177	133	510	365
Marketing and public relations	79	89	285	274
Debit card expense	107	62	296	175
Amortization of intangible assets	32	34	97	101
Net cost of operation of other real estate	0	0	0	9
Other	488	450	1,429	1,363
Total noninterest expenses	3,770	3,634	11,295	10,856
Income before income taxes	2,181	2,023	6,376	5,769
FEDERAL INCOME TAX PROVISION	674	616	1,931	1,753
NET INCOME	$ 1,507	$ 1,407	$ 4,445	$ 4,016
Basic and diluted net earnings per share	$ 0.55	$ 0.52	$ 1.62	$ 1.47