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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
 3 Months Ended 6 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
INTEREST INCOME        
Loans receivable, including fees $ 6,169 $ 6,431 $ 12,355 $ 12,804
Securities 877 1,007 1,746 2,033
Other 10 7 12 11
Total interest income 7,056 7,445 14,113 14,848
INTEREST EXPENSE        
Deposits 719 942 1,473 1,903
Short-term borrowings 15 13 27 24
Other borrowings 178 243 368 487
Total Interest Expense 912 1,198 1,868 2,414
NET INTEREST INCOME 6,144 6,247 12,245 12,434
PROVISION FOR LOAN LOSSES 800 400 1,600 750
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 5,344 5,847 10,645 11,684
OTHER INCOME        
Service charges and fees 620 559 1,221 1,113
Income from fiduciary activities 89 80 174 178
Net realized gains on sales of securities 254 285 392 687
Gain on sale of loans and servicing rights 1 66 3 60
Earnings and proceeds on Bank Owned Life Insurance 148 131 1,073 263
Other 100 85 226 196
Total Other Income 1,212 1,206 3,089 2,497
OTHER EXPENSES        
Salaries and employee benefits 2,124 2,047 4,335 4,198
Occupancy, furniture & equipment, net 550 490 1,079 977
Data processing related 230 216 452 448
Taxes, other than income 179 149 352 301
Professional fees 172 217 359 444
Federal Deposit Insurance Corporation insurance assessment 110 97 221 196
Foreclosed real estate owned 86 85 277 207
Other 682 656 1,359 1,333
Total other expenses 4,133 3,957 8,434 8,104
INCOME BEFORE INCOME TAXES 2,423 3,096 5,300 6,077
INCOME TAX EXPENSE 584 838 1,153 1,633
NET INCOME $ 1,839 $ 2,258 $ 4,147 $ 4,444
BASIC EARNINGS PER SHARE $ 0.51 $ 0.63 $ 1.15 $ 1.23
DILUTED EARNINGS PER SHARE $ 0.51 $ 0.63 $ 1.14 $ 1.23