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Consolidated Statements of Operations (USD $)
In Thousands, except Per Share data, unless otherwise specified
 3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
INTEREST INCOME    
Interest and fees on loans $ 9,032 $ 8,628
Interest bearing deposits 1 1
Short-term investments in money market funds 2 2
Investment securities:    
Available for sale 924 956
Held to maturity 136 115
Total Interest Income 10,095 9,702
INTEREST EXPENSE    
Deposits 1,211 1,350
Short-term borrowings 19 5
Advances from Federal Home Loan Bank 60 25
Guaranteed junior subordinated deferrable interest debentures 280 280
Total Interest Expense 1,570 1,660
NET INTEREST INCOME 8,525 8,042
Provision (credit) for loan losses    (250)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES 8,525 8,292
NON-INTEREST INCOME    
Trust fees 1,863 1,667
Investment advisory fees 169 214
Net realized gains on investment securities 57 71
Net gains on sale of loans 101 386
Service charges on deposit accounts 478 511
Bank owned life insurance 187 201
Other income 677 766
Total Non-Interest Income 3,532 3,816
NON-INTEREST EXPENSE    
Salaries and employee benefits 6,314 6,331
Net occupancy expense 839 773
Equipment expense 470 455
Professional fees 1,308 1,035
Supplies, postage and freight 183 211
Miscellaneous taxes and insurance 296 376
Federal deposit insurance expense 160 134
Other expense 1,168 1,307
Total Non-Interest Expense 10,738 10,622
PRETAX INCOME 1,319 1,486
Provision for income tax expense 389 430
NET INCOME 930 1,056
Preferred stock dividends 53 52
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 877 $ 1,004
Basic:    
Net income $ 0.05 $ 0.05
Average number of shares outstanding 18,786 19,168
Diluted:    
Net income $ 0.05 $ 0.05
Average number of shares outstanding 18,904 19,257
Cash dividends declared $ 0.01 $ 0.00