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CONDENSED CONSOLIDATED STATEMENT OF INCOME & COMPREHENSIVE INCOME (Unaudited) (USD $)
In Thousands, except Share data, unless otherwise specified
 3 Months Ended 9 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Sep. 30, 2014
Sep. 30, 2013
Interest Income        
Loans, including fees $ 7,108 $ 6,244 $ 20,762 $ 18,411
Debt securities:        
U.S. Treasury securities 64 64 190 189
Securities of U.S. Government Agencies 747 971 2,292 2,979
Municipalities 512 513 1,559 1,562
Dividends 36 47 119 141
Federal funds sold 3 0 4 11
Other 1 5 8 18
Total interest income 8,471 7,844 24,934 23,311
Interest Expense        
Deposits 832 1,023 2,615 3,229
Federal funds purchased and securities sold under agreements to repurchase 63 62 190 184
Borrowed funds 0 44 4 133
Total interest expense 895 1,129 2,809 3,546
Net Interest Income - Before provision for loan losses 7,576 6,715 22,125 19,765
Provision for Loan Losses 282 303 1,154 582
Net Interest Income After Provision For Loan Losses 7,294 6,412 20,971 19,183
Noninterest Income        
Customer service fees 1,317 1,252 3,841 3,869
Other service charges and fees 1,047 995 2,767 2,824
Net gain on sale of loans 205 176 497 978
Net gain on sale of securities - available for sale 192 134 494 732
Total noninterest income 2,761 2,557 7,599 8,403
Noninterest Expenses        
Salaries and Wages 2,638 2,460 7,529 7,156
Pension and other employee benefits 927 819 2,492 2,273
Occupancy expense (net) 267 291 842 909
Furniture and equipment 439 350 1,232 1,057
Data processing 305 301 943 911
Franchise taxes 195 255 586 765
Net loss on sale of other assets owned 95 21 153 147
FDIC Assessment 126 146 388 406
Mortgage servicing rights amortization 92 88 258 345
Other general and administrative 1,495 1,382 4,405 4,165
Total Noninterest Expense 6,579 6,113 18,828 18,134
Income Before Federal Income Taxes 3,476 2,856 9,742 9,452
Federal Income Taxes 1,002 791 2,757 2,732
Net Income 2,474 2,065 6,985 6,720
Other Comprehensive Loss (Net of Tax):        
Unrealized loss on securities, net of tax benefit of $105, $82, $16, and $3,001 respectively (204) (159) (32) (5,825)
Comprehensive Income $ 2,270 $ 1,906 $ 6,953 $ 895
Basic Earnings Per Share $ 0.54 $ 0.45 $ 1.51 $ 1.44
Weighted Average Shares Outstanding 4,621,298 4,682,655 4,628,429 4,682,092
Dividends Declared $ 0.21 $ 0.20 $ 0.63 $ 0.60