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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
INTEREST INCOME        
Interest and fees on loans $ 9,409 $ 9,480 $ 18,874 $ 18,936
Interest bearing deposits 2 5 9 7
Short-term investments in money market funds 13 1 23 3
Investment securities:        
Available for sale 778 777 1,545 1,690
Held to maturity 187 146 360 296
Total Interest Income 10,389 10,409 20,811 20,932
INTEREST EXPENSE        
Deposits 1,330 1,171 2,584 2,345
Short-term borrowings 5 23 47 33
Advances from Federal Home Loan Bank 159 135 318 260
Guaranteed junior subordinated deferrable interest debentures 280 280 560 560
Subordinated debt 129 0 258 0
Total Interest Expense 1,903 1,609 3,767 3,198
NET INTEREST INCOME 8,486 8,800 17,044 17,734
Provision for loan losses 250 200 3,350 450
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 8,236 8,600 13,694 17,284
NON-INTEREST INCOME        
Trust and investment advisory fees 2,124 2,135 4,199 4,191
Service charges on deposit accounts 404 429 819 848
Net gains on sale of loans 185 225 292 416
Mortgage related fees 98 109 161 224
Net realized gains on investment securities 60 28 117 28
Bank owned life insurance 169 171 336 534
Other income 702 595 1,255 1,163
Total Non-Interest Income 3,742 3,692 7,179 7,404
NON-INTEREST EXPENSE        
Salaries and employee benefits 5,868 5,944 12,034 12,017
Net occupancy expense 690 718 1,427 1,559
Equipment expense 409 480 845 946
Professional fees 1,192 1,275 2,657 2,486
Supplies, postage and freight 154 175 349 353
Miscellaneous taxes and insurance 288 287 579 584
Federal deposit insurance expense 188 164 367 331
Other expense 1,250 1,196 2,492 2,373
Total Non-Interest Expense 10,039 10,239 20,750 20,649
PRETAX INCOME 1,939 2,053 123 4,039
Provision for income tax expense 577 632 28 1,249
NET INCOME 1,362 1,421 95 2,790
Preferred stock dividends 0 52 15 105
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 1,362 $ 1,369 $ 80 $ 2,685
Basic:        
Net income (in dollars per share) $ 0.07 $ 0.07 $ 0 $ 0.14
Average number of shares outstanding (in shares) 18,897 18,859 18,890 18,855
Diluted:        
Net income (in dollars per share) $ 0.07 $ 0.07 $ 0 $ 0.14
Average number of shares outstanding (in shares) 18,948 18,941 18,943 18,923
Cash dividends declared $ 0.01 $ 0.01 $ 0.02 $ 0.02