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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2012
Dec. 31, 2011
ASSETS    
Cash and due from banks $ 14,250 $ 8,974
Interest bearing deposits with banks 5,991 12,449
Cash and cash equivalents 20,241 21,423
Securities available for sale, at fair value 148,489 150,263
Securities held to maturity, fair value 2012: $175, 2011: $177 171 171
Loans receivable (net of unearned income) 479,082 457,907
Less: Allowance for loan losses 5,618 5,458
Net loans receivable 473,464 452,449
Investment in Federal Home Loan Bank Stock, at cost 3,413 3,593
Bank premises and equipment, net 7,468 7,479
Bank owned life insurance 12,003 11,887
Accrued interest receivable 2,690 2,468
Foreclosed real estate owned 1,143 2,910
Goodwill 9,715 9,715
Other intangibles 760 800
Other assets 5,972 5,656
TOTAL ASSETS 685,529 668,814
LIABILITIES    
Deposits: Non-interest bearing demand 78,339 71,959
Deposits: Interest-bearing 467,853 453,808
Total Deposits 546,192 525,767
Short-term borrowings 15,854 21,794
Other borrowings 27,625 27,670
Accrued interest payable 1,333 1,321
Other liabilities 5,664 4,201
TOTAL LIABILITIES 596,668 580,753
STOCKHOLDERS' EQUITY    
Common stock, $.10 par value per share, authorized 10,000,000; shares issued 2012: 3,371,866 shares, 2011: 3,371,866 shares 337 337
Surplus 24,686 24,660
Retained earnings 63,513 62,308
Treasury stock at cost: 2012: 97,392 shares, 2011: 87,370 shares (2,831) (2,559)
Accumulated other comprehensive income 3,156 3,315
TOTAL STOCKHOLDERS' EQUITY 88,861 88,061
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 685,529 $ 668,814