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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
ASSETS    
Cash and due from banks $ 10,514 $ 8,974
Interest bearing deposits with banks 24,825 12,449
Cash and cash equivalents 35,339 21,423
Securities available for sale, at fair value 147,639 150,263
Securities held to maturity, fair value 2012: $175, 2011: $177 172 171
Loans receivable, net of unearned income 479,501 457,907
Less: Allowance for loan losses 5,341 5,458
Net loans receivable 474,160 452,449
Investment in Federal Home Loan Bank Stock, at cost 2,932 3,593
Bank premises and equipment, net 7,453 7,479
Bank owned life insurance 12,234 11,887
Accrued interest receivable 2,589 2,468
Foreclosed real estate owned 659 2,910
Goodwill 9,715 9,715
Other intangibles 684 800
Other assets 5,121 5,656
TOTAL ASSETS 698,697 668,814
LIABILITIES    
Deposits: Non-interest bearing demand 89,218 71,959
Deposits: Interest-bearing 452,372 453,808
Total deposits 541,590 525,767
Short-term borrowings 32,386 21,794
Other borrowings 27,533 27,670
Accrued interest payable 1,462 1,321
Other liabilities 3,775 4,201
TOTAL LIABILITIES 606,746 580,753
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 24,728 24,660
Retained earnings 66,005 62,308
Treasury stock at cost: 2012: 94,242 shares, 2011: 87,370 shares (2,739) (2,559)
Accumulated other comprehensive income 3,620 3,315
TOTAL STOCKHOLDERS' EQUITY 91,951 88,061
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 698,697 $ 668,814