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Consolidated Statement of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
OPERATING ACTIVITIES    
Net income $ 5,207 $ 5,012
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 766 1,193
Investment securities gains, net (175) (448)
Depreciation and amortization 786 663
Amortization of premium and discount on investment securities 721 674
Accretion of deferred loan fees, net (203) (139)
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 (209) (208)
Deferred income taxes 161 220
(Gain) loss on sale of other real estate owned (40) 238
Increase in accrued interest receivable (402) (364)
Decrease in accrued interest payable (28) (88)
(Increase) decrease in prepaid federal deposit insurance (73) 633
Other, net 546 (63)
Net cash provided by operating activities 7,057 7,323
Investment securities available for sale:    
Proceeds from repayments and maturities 20,103 40,227
Proceeds from sale of securities 8,136 27,426
Purchases (25,815) (50,828)
Increase in loans, net (12,841) (8,826)
Proceeds from the sale of other real estate owned 860 542
Purchase of premises and equipment (476) (883)
Net cash (used for) provided by investing activities (10,033) 7,658
FINANCING ACTIVITIES    
Net (decrease) increase in deposits (14,113) 3,776
Increase (decrease) in short-term borrowings, net 4,037 (874)
Increase in federal funds purchased 1,639  
Repayment of other borrowings (709) (995)
Common stock issuance 74 2,329
Stock options exercised (126)  
Proceeds from dividend reinvestment & purchase plan 590 481
Cash dividends (1,569) (1,482)
Net cash (used for) provided by financing activities (10,177) 3,235
Increase (decrease) in cash and cash equivalents (13,153) 18,216
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 45,346 34,390
CASH AND CASH EQUIVALENTS AT END OF PERIOD 32,193 52,606
Cash paid during the year for:    
Interest on deposits and borrowings 4,142 5,022
Income taxes 1,100 1,250
Non-cash investing transactions:    
Transfers from loans to other real estate owned $ 1,693 $ 916