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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
ASSETS    
Cash and due from banks $ 7,528 $ 10,867
Interest bearing deposits with banks 335 1,428
Cash and cash equivalents 7,863 12,295
Securities available for sale 158,132 145,390
Securities held to maturity, fair value 2013: $177, 2012: $177 174 173
Loans receivable (net of allowance for loan losses 2013: $5,708; 2012: $5,502) 497,389 471,208
Regulatory stock, at cost 2,877 2,630
Premises and equipment, net 7,125 7,326
Bank owned life insurance 17,790 15,357
Accrued interest receivable 2,422 2,393
Foreclosed real estate owned 1,009 852
Goodwill 9,715 9,715
Other intangibles 510 647
Deferred tax asset 4,819 2,179
Other assets 1,409 2,134
Total Assets 711,234 672,299
LIABILITIES    
Deposits: Non-interest bearing demand 92,684 82,075
Deposits: Interest-bearing 45,444 45,616
Deposits: Money market deposit accounts 122,423 116,841
Deposits: Savings 69,202 68,633
Deposits: Time 211,429 211,260
Total deposits 541,182 524,425
Short-term borrowings 49,914 28,697
Other borrowings 23,761 22,487
Accrued interest payable 1,022 1,242
Other liabilities 3,491 3,027
Total Liabilities 619,370 579,878
STOCKHOLDERS' EQUITY    
Common stock, $.10 par value per share, authorized 10,000,000; shares issued 2013: 3,708,718 shares, 2012: 3,371,849 shares 371 337
Surplus 35,010 24,737
Retained earnings 60,798 66,742
Treasury stock at cost: 2013: 64,628 shares, 2012: 75,426 shares (1,713) (2,192)
Accumulated other comprehensive income (2,602) 2,797
Total Stockholders' Equity 91,864 92,421
Total Liabilities and Stockholders' Equity $ 711,234 $ 672,299