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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
INTEREST INCOME        
Interest and fees on loans $ 9,462 $ 9,718 $ 28,336 $ 28,654
Interest bearing deposits 2 1 11 4
Short-term investments in money market funds 31 3 54 10
Investment securities:        
Available for sale 779 790 2,324 2,480
Held to maturity 202 155 562 451
Total Interest Income 10,476 10,667 31,287 31,599
INTEREST EXPENSE        
Deposits 1,391 1,174 3,975 3,519
Short-term borrowings 2 37 49 70
Advances from Federal Home Loan Bank 166 141 484 401
Guaranteed junior subordinated deferrable interest debentures 280 280 840 840
Subordinated debt 131 0 389 0
Total Interest Expense 1,970 1,632 5,737 4,830
NET INTEREST INCOME 8,506 9,035 25,550 26,769
Provision for loan losses 300 300 3,650 750
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 8,206 8,735 21,900 26,019
NON-INTEREST INCOME        
Trust and investment advisory fees 2,035 2,085 6,234 6,276
Service charges on deposit accounts 433 441 1,252 1,289
Net gains on sale of loans 260 178 552 594
Mortgage related fees 132 87 293 311
Net realized gains (losses) on investment securities 60 (36) 177 (8)
Bank owned life insurance 169 684 505 1,218
Other income 572 576 1,827 1,739
Total Non-Interest Income 3,661 4,015 10,840 11,419
NON-INTEREST EXPENSE        
Salaries and employee benefits 5,901 6,079 17,935 18,096
Net occupancy expense 656 692 2,083 2,251
Equipment expense 419 409 1,264 1,355
Professional fees 1,330 1,206 3,987 3,692
Supplies, postage and freight 181 181 530 534
Miscellaneous taxes and insurance 287 288 866 872
Federal deposit insurance expense 189 174 556 505
Other expense 1,393 1,190 3,885 3,563
Total Non-Interest Expense 10,356 10,219 31,106 30,868
PRETAX INCOME 1,511 2,531 1,634 6,570
Provision for income tax expense 446 698 474 1,947
NET INCOME 1,065 1,833 1,160 4,623
Preferred stock dividends 0 52 15 157
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 1,065 $ 1,781 $ 1,145 $ 4,466
Basic:        
Net income (in dollars per share) $ 0.06 $ 0.09 $ 0.06 $ 0.24
Average number of shares outstanding (in shares) 18,899 18,869 18,893 18,860
Diluted:        
Net income (in dollars per share) $ 0.06 $ 0.09 $ 0.06 $ 0.24
Average number of shares outstanding (in shares) 18,957 18,951 18,947 18,928
Cash dividends declared $ 0.015 $ 0.01 $ 0.035 $ 0.03