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Consolidated Statement of Income (Unaudited) (USD $)
In Thousands, except Per Share data
 3 Months Ended 6 Months Ended
Jun. 30, 2011
Jun. 30, 2010
Jun. 30, 2011
Jun. 30, 2010
INTEREST INCOME        
Interest and fees on loans $ 5,399 $ 5,299 $ 10,700 $ 10,396
Interest-bearing deposits in other institutions 2 3 4 7
Federal funds sold 4 12 13 23
Investment securities:        
Taxable interest 1,289 1,339 2,612 2,542
Tax-exempt interest 702 647 1,400 1,239
Dividends on stock 25 32 51 49
Total interest income 7,421 7,332 14,780 14,256
INTEREST EXPENSE        
Deposits 2,004 2,373 4,041 4,858
Short term borrowings 59 62 118 120
Other borrowings 104 183 213 373
Trust preferred securities 137 128 273 264
Total interest expense 2,304 2,746 4,645 5,615
NET INTEREST INCOME 5,117 4,586 10,135 8,641
Provision for loan losses 700 690 1,565 1,129
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 4,417 3,896 8,570 7,512
NONINTEREST INCOME        
Service charges on deposit accounts 416 433 844 848
Investment securities (gains) losses, net (37) 18 (22) 27
Earnings on bank-owned life insurance 66 65 139 132
Other income 149 169 332 287
Total noninterest income 594 685 1,293 1,294
NONINTEREST EXPENSE        
Salaries and employee benefits 1,944 1,713 3,634 3,224
Occupancy expense 223 217 495 493
Equipment expense 155 204 313 402
Data processing costs 173 172 353 415
Ohio state franchise tax 97 134 225 270
Federal deposit insurance expense 272 190 497 392
Professional fees 185 188 396 380
Losses on other real estate owned 323 93 303 214
Other expense 920 917 1,781 1,596
Total noninterest expense 4,292 3,828 7,997 7,386
Income before income taxes 719 753 1,866 1,420
Income taxes (benefit) (1) 38 144 60
NET INCOME $ 720 $ 715 $ 1,722 $ 1,360
EARNINGS PER SHARE        
Basic $ 0.44 $ 0.46 $ 1.05 $ 0.87
Diluted $ 0.44 $ 0.45 $ 1.05 $ 0.87
DIVIDENDS DECLARED PER SHARE $ 0.26 $ 0.26 $ 0.52 $ 0.52