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CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
OPERATING ACTIVITIES      
Net income $ 5,193 $ 5,039 $ 6,537
Adjustments to reconcile net income to net cash provided by operating activities:      
Credit provision for loan losses (1,100) (775) (3,575)
Depreciation and amortization expense 1,683 1,523 1,477
Net amortization of investment securities 755 1,124 736
Net realized (gains) losses on investment securities - available for sale (204) (12) 358
Net gains on loans held for sale (1,089) (1,132) (812)
Amortization of deferred loan fees (304) (240) (231)
Origination of mortgage loans held for sale (60,826) (76,688) (58,640)
Sales of mortgage loans held for sale 69,089 74,354 59,747
Decrease (increase) in accrued interest receivable 52 256 (6)
Decrease in accrued interest payable (299) (440) (1,018)
Earnings on bank owned life insurance (811) (863) (885)
Deferred income taxes 2,150 2,101 2,758
Stock compensation expense 88 41 15
Decrease in prepaid Federal Deposit Insurance 1,444 370 1,259
Other, net (967) (1,446) 3,074
Net cash provided by operating activities 14,854 3,212 10,794
INVESTING ACTIVITIES      
Purchases of investment securities - available for sale (50,125) (34,199) (85,352)
Purchases of investment securities - held to maturity (8,942) (4,987) (6,576)
Proceeds from maturities of investment securities - available for sale 43,307 59,800 53,243
Proceeds from maturities of investment securities - held to maturity 4,425 3,518 2,125
Proceeds from sales of investment securities - available for sale 11,185 4,221 16,518
Purchase of regulatory stock (5,865)      
Proceeds from redemption of regulatory stock 5,367 1,712 1,342
Long-term loans originated (205,549) (232,685) (147,864)
Principal collected on long-term loans 146,720 182,245 161,356
Loans purchased or participated (12,990) (17,492) (8,500)
Loans sold or participated 8,500 8,500 1,000
Net increase in other short-term loans (679) (300) (443)
Purchases of premises and equipment (3,004) (2,647) (1,666)
Proceeds from sale of other real estate owned 993 160 743
Proceeds from insurance policies 356      
Net cash used in investing activities (66,301) (32,154) (14,074)
FINANCING ACTIVITIES      
Net increase in deposit balances 18,744 19,329 13,722
Net increase (decrease) in other short-term borrowings 25,895 (105) 11,215
Principal borrowings on advances from Federal Home Loan Bank 18,000 21,000 2,000
Principal repayments on advances from Federal Home Loan Bank (6,000) (14,000) (5,750)
Preferred stock dividend paid (209) (828) (1,054)
Common stock dividend paid (566)      
TARP warrant repurchase       (825)
Purchase of treasury stock (1,171) (4,417) (582)
Net cash provided by financing activities 54,693 20,979 18,726
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 3,246 (7,963) 15,446
CASH AND CASH EQUIVALENTS AT JANUARY 1 26,820 34,783 19,337
CASH AND CASH EQUIVALENTS AT DECEMBER 31 $ 30,066 $ 26,820 $ 34,783