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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
ASSETS    
Cash and due from banks $ 9,135 $ 8,974
Interest bearing deposits with banks 15,261 12,449
Cash and cash equivalents 24,396 21,423
Securities available for sale, at fair value 144,720 150,263
Securities held to maturity, fair value 2012: $177, 2011: $177 172 171
Loans receivable (net of unearned income) 479,421 457,907
Less: Allowance for loan losses 5,775 5,458
Net loans receivable 473,646 452,449
Investment in Federal Home Loan Bank Stock, at cost 3,243 3,593
Bank premises and equipment, net 7,371 7,479
Bank owned life insurance 12,119 11,887
Financial assets: Accrued interest receivable 2,416 2,468
Foreclosed real estate owned 1,268 2,910
Goodwill 9,715 9,715
Other intangibles 720 800
Other assets 5,081 5,656
TOTAL ASSETS 684,867 668,814
LIABILITIES    
Deposits: Non-interest bearing demand 82,525 71,959
Deposits: Interest-bearing 451,632 453,808
Total Deposits 534,157 525,767
Short-term borrowings 27,192 21,794
Other borrowings 27,579 27,670
Financial liabilities: Accrued interest payable 1,335 1,321
Other liabilities 4,363 4,201
TOTAL LIABILITIES 594,626 580,753
STOCKHOLDERS' EQUITY    
Common stock, $.10 par value per share, authorized 10,000,000; shares issued 2012: 3,371,849 shares, 2011: 3,371,866 shares 337 337
Surplus 24,696 24,660
Retained earnings 64,788 62,308
Treasury stock at cost: 2012: 94,242 shares, 2011: 87,370 shares (2,739) (2,559)
Accumulated other comprehensive income 3,159 3,315
TOTAL STOCKHOLDERS' EQUITY 90,241 88,061
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 684,867 $ 668,814