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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 6 Months Ended
Jun. 30, 2015
Jun. 30, 2014
OPERATING ACTIVITIES    
Net income $ 2,790,000 $ 1,909,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 450,000  
Depreciation expense 925,000 $ 924,000
Net amortization of investment securities 181,000 186,000
Net realized gains on investment securities available for sale (28,000) (177,000)
Net gains on loans held for sale (416,000) (272,000)
Amortization of deferred loan fees (133,000) (134,000)
Origination of mortgage loans held for sale (27,878,000) (18,393,000)
Sales of mortgage loans held for sale 28,952,000 17,378,000
Increase in accrued interest income receivable (183,000) (278,000)
Decrease in accrued interest payable (255,000) (306,000)
Earnings on bank owned life insurance (341,000) (371,000)
Deferred income taxes 371,000 254,000
Stock based compensation expense 156,000 45,000
Other, net 443,000 1,336,000
Net cash provided by operating activities 5,034,000 2,101,000
INVESTING ACTIVITIES    
Purchases of investment securities - available for sale (7,410,000) (7,144,000)
Purchases of investment securities - held to maturity (1,545,000) (1,599,000)
Proceeds from sales of investment securities - available for sale 519,000 5,242,000
Proceeds from maturities of investment securities - available for sale 10,380,000 10,763,000
Proceeds from maturities of investment securities - held to maturity 1,778,000 667,000
Purchases of regulatory stock (9,464,000) (3,897,000)
Proceeds from redemption of regulatory stock 8,332,000 4,056,000
Long-term loans originated (118,956,000) (76,648,000)
Principal collected on long-term loans 76,896,000 59,696,000
Loans purchased or participated (5,120,000) (1,764,000)
Loans sold or participated 12,055,000 2,250,000
Proceeds from sale of other real estate owned 478,000 $ 434,000
Proceeds from life insurance policy 200,000  
Purchases of premises and equipment (473,000) $ (1,198,000)
Net cash used in investing activities (32,330,000) (9,142,000)
FINANCING ACTIVITIES    
Net (decrease) increase in deposit balances (7,053,000) 19,347,000
Net increase (decrease) in other short-term borrowings 24,550,000 (22,878,000)
Principal borrowings on advances from Federal Home Loan Bank 4,000,000 9,000,000
Common stock dividends (377,000) (376,000)
Preferred stock dividends (105,000) (105,000)
Net cash provided by financing activities 21,015,000 4,988,000
NET DECREASE IN CASH AND CASH EQUIVALENTS (6,281,000) (2,053,000)
CASH AND CASH EQUIVALENTS AT JANUARY 1 32,872,000 30,066,000
CASH AND CASH EQUIVALENTS AT JUNE 30 $ 26,591,000 $ 28,013,000