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CONDENSED CONSOLIDATED STATEMENT OF INCOME & COMPREHENSIVE INCOME (Unaudited) (USD $)
In Thousands, except Share data, unless otherwise specified
 3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Interest Income    
Loans, including fees $ 6,676 $ 6,078
Debt securities:    
U.S. Treasury securities 63 61
Securities of U.S. Government Agencies 849 992
Municipalities 525 508
Dividends 43 49
Federal funds sold   7
Other 3 7
Total interest income 8,159 7,702
Interest Expense    
Deposits 878 1,127
Federal funds purchased and securities sold under agreements to repurchase 62 60
Borrowed funds 4 46
Total interest expense 944 1,233
Net Interest Income - Before provision for loan losses 7,215 6,469
Provision for Loan Losses (Note 4) 428 167
Net Interest Income After Provision For Loan Losses 6,787 6,302
Noninterest Income    
Customer service fees 1,246 1,361
Other service charges and fees 792 862
Net loss on sale of other assets owned (39) (16)
Net gain on sale of loans 89 480
Net gain on sale of securities - available for sale 122 221
Total noninterest income 2,210 2,908
Noninterest Expenses    
Salaries and Wages 2,434 2,437
Pension and other employee benefits 845 844
Occupancy expense (net) 303 330
Furniture and equipment 394 349
Data processing 314 310
Franchise taxes 195 255
FDIC Assessment 132 119
Mortgage servicing rights amortization 82 137
Other general and administrative 1,466 1,345
Total Noninterest Expense 6,165 6,126
Income Before Federal Income Taxes 2,832 3,084
Federal Income Taxes 874 932
Net Income 1,958 2,152
Other Comprehensive Income (Net of Tax):    
Unrealized loss on securities, net of tax benefit of $348 and $387 respectively (675) (750)
Comprehensive Income $ 1,283 $ 1,402
Basic Earnings Per Share $ 0.42 $ 0.46
Weighted Average Shares Outstanding 4,637,172 4,683,659
Dividends Declared $ 0.21 $ 0.20