Condensed 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	$ 6,564	$ 7,142	$ 20,165	$ 22,253
Debt Securities:
U.S. Treasury securities	93	86	266	293
Securities of U.S. Government Agencies	1,012	1,052	3,092	3,032
Municipalities	555	520	1,583	1,588
Dividends	46	43	141	140
Federal funds sold	2	3	13	12
Other	6	9	19	36
Total Interest Income	8,278	8,855	25,279	27,354
INTEREST EXPENSE:
Deposits	1,345	1,686	4,254	5,341
Federal Funds purchased and securities sold under agreements to repurchase	63	76	184	227
Borrowed funds	124	229	371	753
Total Interest Expense	1,532	1,991	4,809	6,321
NET INTEREST INCOME BEFORE PROVISION FOR LOAN LOSSES	6,746	6,864	20,470	21,033
PROVISION FOR LOAN LOSSES (Note 4)	236	93	442	1,522
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,510	6,771	20,028	19,511
NONINTEREST INCOME
Customer service fees	1,239	610	3,808	2,315
Other service charges and fees	943	908	2,561	2,521
Net gain (loss) on sale of other assets owned	(209)	(195)	(486)	(1,009)
Net gain on sale of loans	602	111	1,385	249
Net gain on sale of securities	30	132	199	504
Total Noninterest Income	2,605	1,566	7,467	4,580
NONINTEREST EXPENSE
Salaries and wages	2,303	2,377	6,782	6,785
Pension and other employee benefits	713	636	2,285	1,997
Occupancy expense (net)	268	358	1,059	1,128
Furniture and Equipment	371	315	1,072	1,059
Data processing	292	258	843	718
Franchise Taxes	237	225	710	667
FDIC Assessment	126	161	345	601
Mortgage servicing rights amortization	177	133	549	314
Other general and administrative	1,240	1,074	3,690	3,402
Total Noninterest Expense	5,727	5,537	17,335	16,671
INCOME BEFORE FEDERAL INCOME TAX	3,388	2,800	10,160	7,420
FEDERAL INCOME TAXES	947	719	2,897	1,791
NET INCOME	2,441	2,081	7,263	5,629
OTHER COMPREHENSIVE INCOME (NET OF TAX):
Unrealized gains on securities	589	3,794	7,353	6,408
COMPREHENSIVE INCOME	$ 3,030	$ 5,875	$ 14,616	$ 12,037
NET INCOME PER SHARE	$ 0.52	$ 0.44	$ 1.55	$ 1.20
Weighted Average Shares Outstanding	4,685,879	4,687,169	4,698,364	4,688,731
DIVIDENDS DECLARED	$ 0.20	$ 0.19	$ 0.58	$ 0.57

The periodic amortization (in proportion to and over the period of estimated net servicing income or loss) of capitalized servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=6943989&loc=d3e3602-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 860

-SubTopic 50

-Section 50

-Paragraph 4

-Subparagraph (a)(4)

-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 140

-Paragraph 17

-Subparagraph g(1)(d)

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.