Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
Sep. 30, 2012	Sep. 30, 2011
Cash flows from operating activities
Net income	$ 9,459,000	$ 9,341,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	992,000	1,018,000
Change in deferred taxes	(929,000)	(644,000)
Provision for loan losses	6,300,000	5,600,000
Loans originated for resale	(29,137,762)	(33,416,000)
Proceeds from sales and transfers of loans	29,331,762	35,992,000
Net gain on sale or call of securities	(1,967,000)	(237,000)
Net (gain)/loss on sale of other real estate owned	29,000	(13,000)
Provision for losses on other real estate owned	291,000	800,000
Equity compensation expense	57,000	17,000
Net (increase) decrease in other assets and accrued interest	(483,000)	2,043,000
Net increase (decrease) in other liabilities	1,478,000	(473,000)
Net (gain)/loss on disposal of premises and equipment	(30,000)	5,000
Net amortization of premiums on investments	2,125,000	2,908,000
Amortization of investment in limited partnership	357,000	292,000
Net acquisition amortization	173,000	173,000
Net cash provided by operating activities	18,046,000	23,406,000
Cash flows from investing activities
Interest-bearing deposits in other banks	(681,000)	0
Proceeds from maturities, payments and calls of securities available for sale	43,803,000	34,209,000
Proceeds from sales of securities available for sale	25,437,000	75,182,000
Proceeds from maturities, payments and calls of securities to be held to maturity	42,497,000	16,031,000
Proceeds from sales of other real estate owned	2,077,000	2,875,000
Purchases of securities available for sale	(79,941,000)	(129,488,000)
Purchases of securities to be held to maturity	(74,230,000)	(38,765,000)
Redemption of restricted equity securities	995,000	0
Net (increase) decrease in loans	(13,218,000)	10,383,000
Capital expenditures	(554,000)	(915,000)
Proceeds from sale of equipment	58,000	0
Net cash used in investing activities	(53,757,000)	(30,488,000)
Cash flows from financing activities
Net increase in demand, savings, and money market accounts	38,974,000	44,480,000
Net decrease in certificates of deposit	(35,728,000)	(14,072,000)
Net increase (decrease) in short-term borrowings	39,093,000	(1,707,000)
Repurchase of preferred stock	0	(12,500,000)
Proceeds from sale of common stock	393,000	288,000
Dividends paid	(6,232,000)	(6,682,000)
Net cash provided by financing activities	36,500,000	9,807,000
Net increase in cash and cash equivalents	789,000	2,725,000
Cash and cash equivalents at beginning of period	14,115,000	13,838,000
Cash and cash equivalents at end of period	14,904,000	16,563,000
Interest paid	9,853,000	11,418,000
Income taxes paid	2,060,000	2,557,000
Non-cash transactions
Net transfer from loans to other real estate owned	$ 3,774,000	$ 5,043,000

The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements.

No definition available.