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Consolidated Statement of Cash Flows (USD $)
 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
OPERATING ACTIVITIES    
Net income $ 5,012,000 $ 2,801,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 1,193,000 2,485,000
Investment securities (gains) losses, net (448,000) 16,000
Depreciation and amortization 663,000 639,000
Amortization of premium and discount on investment securities 674,000 247,000
Amortization of deferred loan fees, net (139,000) (120,000)
Earnings on bank-owned life insurance (208,000) (209,000)
Deferred income taxes 220,000 (173,000)
Stock-based compensation expense 32,000 59,000
Losses on other real estate owned 238,000 498,000
Increase in accrued interest receivable (364,000) (384,000)
Decrease in accrued interest payable (88,000) (73,000)
Decrease in prepaid federal deposit insurance 633,000 642,000
Other, net (95,000) (746,000)
Net cash provided by operating activities 7,323,000 5,682,000
Investment securities available for sale:    
Proceeds from repayments and maturities 40,227,000 56,940,000
Proceeds from sale of securities 27,426,000 24,305,000
Purchases (50,828,000) (77,429,000)
Increase in loans, net (8,826,000) (18,217,000)
Proceeds from the sale of other real estate owned 542,000 777,000
Purchase of premises and equipment (883,000) (321,000)
Net cash provided by (used for) investing activities 7,658,000 (13,945,000)
FINANCING ACTIVITIES    
Net increase in deposits 3,776,000 21,987,000
Decrease in short-term borrowings, net (874,000) (724,000)
Repayment of other borrowings (995,000) (1,366,000)
Common stock issuance 2,329,000 2,210,000
Proceeds from dividend reinvestment & purchase plan 481,000 414,000
Cash dividends (1,482,000) (1,306,000)
Net cash provided by financing activities 3,235,000 21,215,000
Increase in cash and cash equivalents 18,216,000 12,952,000
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 34,390,000 30,635,000
CASH AND CASH EQUIVALENTS AT END OF PERIOD 52,606,000 43,587,000
Cash paid during the year for:    
Interest on deposits and borrowings 5,022,000 6,852,000
Income taxes 1,250,000 515,000
Non-cash investing transactions:    
Transfers from loans to other real estate owned $ 916,000 $ 1,146,000