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Consolidated Statement of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
OPERATING ACTIVITIES    
Net income $ 1,657 $ 1,523
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 313 600
Investment securities gains, net 185  
Depreciation and amortization 222 221
Amortization of premium and discount on investment securities 183 224
Accretion of deferred loan fees, net (33) (55)
Origination of loans held for sale   (1,084)
Proceeds from sale of loans held for sale   1,169
Gain on sale of loans   (85)
Earnings on bank-owned life insurance (68) (68)
Deferred income taxes 58 (28)
Loss on sale of other real estate owned 8 18
Increase in accrued interest receivable (529) (442)
Decrease in accrued interest payable (24) (104)
Decrease in prepaid federal deposit insurance 9 211
Other, net (507) (523)
Net cash provided by operating activities 1,474 1,577
Investment securities available for sale:    
Proceeds from repayments and maturities 6,773 18,533
Proceeds from sale of securities 7,438  
Purchases (12,500) (8,611)
Increase (decrease) in loans, net 598 (2,643)
Proceeds from the sale of other real estate owned 137 210
Purchase of premises and equipment (191) (253)
Net cash provided by investing activities 2,255 7,236
FINANCING ACTIVITIES    
Net (decrease) increase in deposits (1,838) 2,980
Decrease in short-term borrowings, net (1,298) (27)
Repayment of other borrowings (191) (270)
Common stock issuance 213  
Stock options exercised (111)  
Proceeds from dividend reinvestment & purchase plan 300 180
Cash dividends (520) (457)
Net cash (used for) provided by financing activities (3,445) 2,406
Increase in cash and cash equivalents 284 11,219
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 45,346 34,390
CASH AND CASH EQUIVALENTS AT END OF PERIOD 45,630 45,609
Cash paid during the year for:    
Interest on deposits and borrowings 1,453 1,790
Income taxes 555 200
Non-cash investing transactions:    
Transfers from loans to other real estate owned $ 454 $ 157