CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Interest income
Loans, including fees	$ 6,436	$ 6,667	$ 18,864	$ 19,946
Investment securities
Fully taxable	544	879	1,840	2,648
Exempt from federal taxes	415	362	1,280	1,080
Interest-bearing deposits and other	0	0	2	1
TOTAL INTEREST INCOME	7,395	7,908	21,986	23,675
Interest expense
Deposits	803	1,430	2,795	4,328
Borrowings	338	473	1,094	1,537
TOTAL INTEREST EXPENSE	1,141	1,903	3,889	5,865
NET INTEREST INCOME	6,254	6,005	18,097	17,810
Provision for loan losses	750	528	1,750	2,878
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,504	5,477	16,347	14,932
Non-interest income
Service fees, charges and other operating income	380	298	1,237	1,242
Bank owned life insurance	152	160	456	481
Gain on sale of investments	0	0	0	210
Gain on sale of loans	382	125	920	292
Gain on disposition of premises and equipment	0	0	277	0
TOTAL NON-INTEREST INCOME	914	583	2,890	2,225
Non-interest expense
Compensation and benefits	2,651	2,584	8,222	7,952
Occupancy and equipment	686	699	2,068	2,253
Federal deposit insurance premiums	146	142	447	526
Professional fees	349	263	874	1,065
Marketing and advertising	76	88	267	257
Foreclosed real estate expense	78	317	705	497
Other operating	480	573	1,588	1,702
TOTAL NON-INTEREST EXPENSE	4,466	4,666	14,171	14,252
INCOME BEFORE INCOME TAXES	1,952	1,394	5,066	2,905
Income tax expense	479	314	1,189	508
NET INCOME	$ 1,473	$ 1,080	$ 3,877	$ 2,397
Earnings per share-basic (in dollars per share)	$ 0.54	$ 0.40	$ 1.42	$ 0.89
Earnings per share-diluted (in dollars per share)	$ 0.54	$ 0.40	$ 1.42	$ 0.89
Dividends paid per share (in dollars per share)	$ 0.05	$ 0.05	$ 0.15	$ 0.15
Weighted average shares outstanding:
Basic (in shares)	2,728,534	2,704,350	2,723,703	2,700,845
Diluted (in shares)	2,731,653	2,705,168	2,727,371	2,701,561