FNCB Bancorp (FNCB) 10-Q 12 Nov 13 2013 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2013	Nov. 12, 2013
Document Information [Line Items]	'	'
Entity Registrant Name	'FIRST NATIONAL COMMUNITY BANCORP INC	'
Entity Central Index Key	'0001035976	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Non-accelerated Filer	'
Trading Symbol	'FNCB	'
Entity Common Stock, Shares Outstanding	'	16,457,169
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

CONSOLIDATED_STATEMENTS_OF_FIN

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets	'	'
Cash and due from banks	$22,858	$21,710
Interest-bearing deposits in other banks	63,528	93,561
Total cash and cash equivalents	86,386	115,271
Securities available for sale at fair value	185,614	185,361
Securities held to maturity at amortized cost (fair value $2,420 and $2,483)	2,280	2,198
Stock in Federal Home Loan Bank of Pittsburgh, at cost	2,550	5,957
Loans held for sale	884	1,615
Loans, net of allowance for loan and lease losses of $17,618 and $18,536	638,872	579,396
Bank premises and equipment, net	16,731	18,937
Accrued interest receivable	2,320	2,199
Refundable federal income taxes	55	11,637
Intangible assets	509	632
Bank-owned life insurance	27,992	27,461
Other real estate owned	4,405	3,983
Other assets	9,927	13,627
Total Assets	978,525	968,274
Liabilities	'	'
Demand (non-interest-bearing)	141,321	131,476
Interest-bearing	712,489	723,137
Total deposits	853,810	854,613
Borrowed funds	'	'
Federal Home Loan Bank of Pittsburgh advances	37,213	18,593
Subordinated debentures	25,000	25,000
Junior subordinated debentures	10,310	10,310
Total borrowed funds	72,523	53,903
Accrued interest payable	8,234	6,427
Other liabilities	11,161	16,406
Total liabilities	945,728	931,349
Shareholders' Equity	'	'
Preferred shares ($1.25 par) Authorized: 20,000,000 shares at September 30, 2013 and December 31, 2012 Issued and outstanding: 0 shares at September 30, 2013 and December 31, 2012	0	0
Common shares ($1.25 par) Authorized: 50,000,000 shares at September 30, 2013 and December 31, 2012 Issued and outstanding: 16,457,169 shares at September 30, 2013 and December 31, 2012	20,571	20,571
Additional paid-in capital	61,584	61,584
Accumulated deficit	-47,590	-51,928
Accumulated other comprehensive (loss) income	-1,768	6,698
Total shareholders' equity	32,797	36,925
Total Liabilities and Shareholders’ Equity	$978,525	$968,274

CONSOLIDATED_STATEMENTS_OF_FIN1

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION [Parenthetical] (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified
Securities held-to-maturity at amortized cost, fair value (in dollars)	$2,420	$2,483
Loans, allowance for loan and lease losses (in dollars)	$17,618	$18,536
Preferred Shares, par (in dollars per share)	$1.25	$1.25
Preferred Shares, Authorized shares	20,000,000	20,000,000
Preferred Shares, Issued shares	0	0
Preferred Shares, outstanding shares	0	0
Common Shares, par (in dollars per share)	$1.25	$1.25
Common Shares, Authorized shares	50,000,000	50,000,000
Common Shares, Issued shares	16,457,169	16,457,169
Common Stock, Shares, Outstanding	16,457,169	16,457,169

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest income	'	'	'	'
Interest and fees on loans	$6,833	$7,148	$20,158	$22,466
Interest and dividends on securities	'	'	'	'
U.S. government agencies	429	289	1,331	994
State and political subdivisions, tax-free	743	985	2,539	2,948
State and political subdivisions, taxable	116	117	348	366
Other securities	51	403	120	1,236
Total interest and dividends on securities	1,339	1,794	4,338	5,544
Interest on interest-bearing deposits and federal funds sold	17	43	70	143
Total interest income	8,189	8,985	24,566	28,153
Interest expense	'	'	'	'
Interest-bearing demand	124	172	432	512
Savings	21	41	75	131
Time ($100,000 and over)	339	345	982	1,145
Other time	553	711	1,736	2,390
Total interest on deposits	1,037	1,269	3,225	4,178
Interest on borrowed funds	'	'	'	'
Interest on Federal Home Loan Bank of Pittsburgh advances	149	307	403	1,061
Interest on subordinated debentures	575	574	1,706	1,712
Interest on junior subordinated debentures	51	56	153	171
Total interest on borrowed funds	775	937	2,262	2,944
Total interest expense	1,812	2,206	5,487	7,122
Net interest income before (credit) provision for loan and lease losses	6,377	6,779	19,079	21,031
(Credit) provision for loan and lease losses	-1,159	3,792	-2,385	3,376
Net interest income after (credit) provision for loan and lease losses	7,536	2,987	21,464	17,655
Non-interest income	'	'	'	'
Deposit service charges	758	740	2,159	2,233
Net gain on the sale of securities	817	88	2,558	96
Gross other-than-temporary impairment ("OTTI") gains	0	2,345	0	2,565
Portion of gain recognized in OCI (before taxes)	0	-2,345	0	-2,661
Other-than-temporary-impairment losses recognized in earnings	0	0	0	-96
Net gain on the sale of loans held for sale	81	249	241	739
Net gain on the sale of other real estate owned	5	106	94	260
Loan-related fees	87	115	284	364
Income from bank-owned life insurance	176	171	531	523
Other	491	190	1,288	534
Total non-interest income	2,415	1,659	7,155	4,653
Non-interest expense	'	'	'	'
Salaries and employee benefits	3,223	3,733	9,786	10,992
Occupancy expense	529	586	1,663	1,683
Equipment expense	369	444	1,125	1,310
Advertising expense	146	102	402	390
Data processing expense	499	517	1,567	1,587
FDIC assessment	493	603	1,519	1,806
Bank shares tax	241	59	723	610
Expense of other real estate	318	1,049	768	1,453
(Credit) provision for off-balance sheet commitments	-56	147	-232	334
Legal expense	657	1,330	1,838	2,792
Professional fees	351	1,231	1,228	3,752
Insurance expenses	279	210	898	677
Loan collection expense	58	183	305	548
Other operating expenses	957	973	2,691	3,027
Total non-interest expense	8,064	11,167	24,281	30,961
Income (loss) before income taxes	1,887	-6,521	4,338	-8,653
Provision for income taxes	0	0	0	0
Net income (loss)	$1,887	($6,521)	$4,338	($8,653)
Earnings (loss) per share	'	'	'	'
Basic (in dollars per share)	$0.11	($0.40)	$0.26	($0.53)
Diluted (in dollars per share)	$0.11	($0.40)	$0.26	($0.53)
Cash dividends declared per common share	$0	$0	$0	$0
WEIGHTED AVERAGE NUMBER OF SHARES OUTSTANDING:	'	'	'	'
Basic (in shares)	16,457,169	16,442,119	16,457,169	16,442,119
Diluted (in shares)	16,457,169	16,442,119	16,457,169	16,442,119

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Net income (loss)	$1,887	($6,521)	$4,338	($8,653)
Other comprehensive (loss) income, net of tax:	'	'	'	'
Unrealized (losses) gains on securities available-for-sale	-132	4,652	-10,270	9,769
Taxes	45	-1,583	3,492	-3,321
Net of tax amount	-87	3,069	-6,778	6,448
Non-credit related gains on OTTI securities not expected to be sold	0	2,345	0	2,565
Taxes	0	-797	0	-873
Net of tax amount	0	1,548	0	1,692
Reclassification adjustment for gains included in net income (loss)	-817	-88	-2,558	-96
Taxes	278	30	870	33
Net of tax amount	-539	-58	-1,688	-63
Total other comprehensive (loss) income	-626	4,559	-8,466	8,077
Total comprehensive income (loss)	$1,261	($1,962)	($4,128)	($576)

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	Total	Common Stock	Additional Paid-in Capital	Accumulated Deficit	Accumulated Other Comprehensive Income (Loss)
In Thousands, except Share data
Balances at Dec. 31, 2011	$39,925	$20,552	$61,557	($38,217)	($3,967)
Balances (in shares) at Dec. 31, 2011	'	16,442,119	'	'	'
Net income (loss) for the period	-8,653	0	0	-8,653	0
Other comprehensive income (loss), net of tax of $4,362 and $4,161 for the nine months ended September 30, 2013 and September 30, 2012 respectively	8,077	0	0	0	8,077
Balances at Sep. 30, 2012	39,349	20,552	61,557	-46,870	4,110
Balances (in shares) at Sep. 30, 2012	'	16,442,119	'	'	'
Balances at Dec. 31, 2012	36,925	20,571	61,584	-51,928	6,698
Balances (in shares) at Dec. 31, 2012	'	16,457,169	'	'	'
Net income (loss) for the period	4,338	0	0	4,338	0
Other comprehensive income (loss), net of tax of $4,362 and $4,161 for the nine months ended September 30, 2013 and September 30, 2012 respectively	-8,466	0	0	0	-8,466
Balances at Sep. 30, 2013	$32,797	$20,571	$61,584	($47,590)	($1,768)
Balances (in shares) at Sep. 30, 2013	'	16,457,169	'	'	'

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Other comprehensive income, tax	$4,362	$4,161

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities:	'	'
Net income (loss)	$4,338	($8,653)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:	'	'
Investment securities amortization (accretion), net	240	-1,308
Equity in trust	-5	-3
Depreciation and amortization	924	920
(Credit) provision for loan and lease losses	-2,385	3,376
Valuation adjustment for off balance sheet commitments	-232	334
Gain on sale of investment securities	-2,558	-96
Other-than-temporary-impairment losses	0	96
Gain on the sale of loans held for sale	-241	-739
Gain on the sale of other real estate owned	-94	-260
Valuation adjustment, other real estate owned	257	808
Income from bank-owned life insurance	-531	-523
Proceeds from the sale of loans held for sale	9,238	23,940
Funds used to originate loans held for sale	-8,266	-23,679
Increase in interest receivable	-121	-325
Decrease (increase) in refundable federal income taxes	11,582	-76
Decrease in prepaid expenses and other assets	4,418	1,856
Increase in accrued interest payable	1,807	1,560
Decrease in accrued expenses and other liabilities	-1,562	-2,138
Total adjustments	12,471	3,743
Net cash provided by (used in) operating activities	16,809	-4,910
Cash flows from investing activities:	'	'
Maturities, calls, and principal payments of securities available for sale	12,086	26,861
Sales of securities available for sale	51,066	0
Purchases of securities available for sale	-73,997	-21,358
Purchases of Federal Reserve Bank stock	0	-90
Redemption of Federal Home Loan Bank of Pittsburgh stock	3,407	1,545
Net (increase) decrease in loans to customers	-56,979	43,181
Proceeds from the sale of other real estate owned	1,489	2,723
Purchases of property and equipment	-583	-1,443
Net cash (used in) provided by investing activities	-63,511	51,419
Cash flows from financing activities:	'	'
Net decrease in total deposits	-803	-100,702
Proceeds from Federal Home Loan Bank of Pittsburgh advances	32,250	0
Repayment of Federal Home Loan Bank of Pittsburgh advances	-13,630	-15,640
Net cash provided by (used in) financing activities	17,817	-116,342
Net decrease in cash and cash equivalents	-28,885	-69,833
Cash and cash equivalents at beginning of period	115,271	168,646
Cash and cash equivalents at end of period	86,386	98,813
Supplemental cash flow information	'	'
Interest	3,680	5,562
Income taxes	-11,582	0
Other transactions:	'	'
Securities purchased, not settled	0	29,665
Securities sold, not settled	0	-6,596
Principal balance of loans transferred to OREO	255	1,385
Transfer of bank premises and equipment to OREO	$1,819	$0

Basis_of_Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 2013
Basis Of Presentation	'
Organization, Consolidation and Presentation Of Financial Statements Disclosure	'
	Note 1.   Basis of Presentation
	The consolidated financial statements are comprised of the accounts of First National Community Bancorp, Inc., and its wholly owned subsidiary, First National Community Bank (the “Bank”), as well as the Bank’s wholly owned subsidiaries (collectively, the “Company”). The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”) and general practices within the banking industry. In the opinion of management, all adjustments necessary for a fair presentation of the results for the three and nine month periods ended September 30, 2013 have been included in the consolidated financial statements. All intercompany balances and transactions have been eliminated in consolidation. Prior period amounts have been reclassified when necessary to conform to the current period’s presentation. These reclassifications did not have an impact on the operating results or financial position of the Company. The operating results and financial position of the Company for the three and nine months ended September 30, 2013 may not be indicative of future results of operations and financial position.
	The preparation of financial statements in accordance with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to change in the near term are the allowance for loan and lease losses (“ALLL”), investment security valuations, the evaluation of investment securities and other real estate owned (“OREO”) for impairment, and the evaluation of deferred income taxes.
	These financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s audited financial statements, included in our Annual Report filed on Form 10-K as of and for the year ended December 31, 2012 and the March 31, 2013 and June 30, 2013 quarterly reports filed on Form 10-Q.

New_Authoritative_Accounting_G

New Authoritative Accounting Guidance	9 Months Ended
	Sep. 30, 2013
New Authoritative Accounting Guidance	'
New Authoritative Accounting Guidance	'
	Note 2.   New Authoritative Accounting Guidance
	Accounting Standards Update (“ASU”) No. 2011-11, Balance Sheet (Topic 210): “Disclosures about Offsetting Assets and Liabilities” requires enhanced disclosures that will enable users of its financial statements to evaluate the effect or potential effect of netting arrangements on an entity’s financial position. This includes the effect or potential effect of rights of setoff associated with an entity’s recognized assets and recognized liabilities within the scope of this update. The amendments require enhanced disclosures by requiring improved information about financial instruments and derivative instruments that are either (1) offset in accordance with either Accounting Standards Codification Topic (“ASC”) 210-20-45 or ASC 815-10-45 or (2) subject to an enforceable master netting arrangement or similar agreement, irrespective of whether they are offset in accordance with either ASC 210-20-45 or ASC 815-10-45. The Company adopted ASU No. 2011-11 on January 1, 2013. The adoption of this new guidance did not have an effect on the operating results or financial position of the Company.
	ASU No. 2012-02, Intangibles-Goodwill and Other (Topic 350): “Testing Indefinite-Lived Intangible Assets for Impairment” simplifies the guidance for testing the decline in realizable value (impairment) of indefinite-lived intangible assets other than goodwill. ASU No. 2012-02 allows an entity the option to first assess qualitative factors to determine whether it is necessary to perform the quantitative impairment test. An organization electing to perform a qualitative assessment is no longer required to calculate the fair value of an indefinite-lived intangible asset unless the organization determines, based on a qualitative assessment, that it is “more likely than not” that the asset is impaired. The Company adopted ASU 2012-02 on January 1, 2013. The adoption of this new guidance did not have an effect on the operating results or financial position of the Company.
	ASU No. 2013-01, Balance Sheet (Topic 210): “Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities” clarifies the scope of transactions that are subject to the disclosures about offsetting, specifically that ordinary trade receivables and receivables are not in the scope of ASU No. 2011-11. This update applies only to derivatives, repurchase agreements and reverse purchase agreements, and securities borrowing and securities lending transactions that are offset in accordance with specific criteria contained in FASB Accounting Standards Codification or subject to a master netting arrangement or similar agreement. The Company adopted ASU 2013-01 on January 1, 2013. The adoption of this new guidance did not have an effect on the operating results or financial position of the Company.
	ASU No. 2013-02, Comprehensive Income (Topic 220): “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income” improves the transparency of reporting these reclassifications. The new amendments require an organization to: present either on the face of the statement where income is presented or in the notes to the financial statements the effects on the line items of net income of significant amounts reclassified out of accumulated other comprehensive income; or cross reference to other disclosures currently required under GAAP for other reclassification items to be reclassified directly to income in their entirety in the same reporting period. The amendments apply to all public and private companies that report other comprehensive income. The Company adopted ASU 2013-02 on January 1, 2013. The adoption of this new guidance did not have an effect on the operating results or financial position of the Company; however, see Note 9 to the consolidated financial statements for additional disclosures related to the adoption of ASU No. 2013-02.

Regulatory_Matters

Regulatory Matters

9 Months Ended

Sep. 30, 2013

Regulatory Matters

'

Regulatory Matters

'

Note 3.   Regulatory Matters

The Bank is under a Consent Order (the “Order”) from the Office of the Comptroller of the Currency (“OCC”) dated September 1, 2010. The Company is also subject to a Written Agreement (the “Agreement”) with the Federal Reserve Bank of Philadelphia (the “Reserve Bank”) dated November 24, 2010.

OCC Consent Order. The Bank, pursuant to a Stipulation and Consent to the Issuance of a Consent Order dated September 1, 2010, without admitting or denying any wrongdoing, consented and agreed to the issuance of the Order by the OCC, the Bank’s primary regulator. The Order requires the Bank to undertake certain actions within designated timeframes, and to operate in compliance with the provisions thereof during its term. The Order is based on the results of an examination of the Bank as of March 31, 2009. Since the examination, management has engaged in ongoing discussions with the OCC and has taken steps to improve the condition, policies and procedures of the Bank. Compliance with the Order is monitored by a committee (the “Committee”) of at least three directors, none of whom is an employee or controlling shareholder of the Bank or its affiliates or a family member of any such person. The Committee is required to submit written progress reports on a monthly basis to the OCC. The Committee has submitted each of the required monthly progress reports with the OCC. The members of the Committee are John P. Moses, Joseph Coccia, Joseph J. Gentile and Thomas J. Melone. The material provisions of the Order are set forth below with a description of the status of the Bank’s effort to comply with such provisions:

(i) By October 31, 2010, the Board of Directors of the Bank (the “Board”) was required to adopt and implement a three-year strategic plan which must be submitted to the OCC for review and prior determination of no supervisory objection; the strategic plan must establish objectives for the Bank’s overall risk profile, earnings performance, growth, balance sheet mix, off-balance sheet activities, liability structure, capital adequacy, reduction in the volume of nonperforming assets, product line development, and market segments that the Bank intends to promote or develop, and is to include strategies to achieve those objectives; if the strategic plan involves the sale or merger of the Bank, it must address the timeline and steps to be followed to provide for a definitive agreement within 90 days after the receipt of a determination of no supervisory objection;

The Bank has developed a Strategic Plan that it believes complies with the Order requirements. A three-year Strategic Plan for the period January 1, 2011 to December 31, 2013 was prepared and submitted to the OCC for review.  On an annual basis, the Bank prepares an updated and revised Strategic Plan. Strategic Plans for the periods January 1, 2012 to December 31, 2014 and January 1, 2013 to December 31, 2015 were submitted to the OCC for review.

(ii) by October 31, 2010, the Board was required to adopt and implement a three year capital plan, which must be submitted to the OCC for review and prior determination of no supervisory objection;

The Bank has developed a Capital Plan that it believes complies with the Order requirements to ensure that the Bank’s leverage ratio equals or exceeds 9% and the Bank’s total risk-based capital ratio equals or exceeds 13%.  This Capital Plan for the period January 1, 2011 through December 31, 2013 and its annual update and revisions for 2012 and 2013 were submitted to the OCC for review.

(iii) by November 30, 2010, the Bank was required to achieve and thereafter maintain a total risk-based capital equal to at least 13% of risk-weighted assets and a Tier 1 capital equal to at least 9% of adjusted total assets;

The Bank’s total risk-based capital ratio was 12.62% at September 30, 2013, which was below the 13% required by the Order.  The Bank’s leverage capital ratio was 7.99% at September 30, 2013, which was below the 9% required by the Order.  The Bank is in the process of executing its Capital Plan and has engaged an outside financial advisory firm to assist the Bank in taking appropriate actions to achieve and maintain compliance with the capital requirements of the Order.  Appropriate actions or combinations of actions may include raising additional capital, reducing the Bank’s assets through sales of branch offices, loans or other real estate owned, or pursuing other strategic transactions.

(iv) the Bank may not pay any dividend or capital distribution unless it is in compliance with the higher capital requirements required by the Order, the Capital Plan, applicable legal requirements and, then only after receiving a determination of no supervisory objection from the OCC;

The Board has acknowledged the prohibition on payment of dividends or any other capital distributions without the prior written consent of the OCC. The Bank has not paid any dividends or capital distributions since the effective date of the Order.

(v) by November 15, 2010, the Committee must have reviewed the Board and the Board’s committee structure; by November 30, 2010, the Board was required to prepare or cause to be prepared an assessment of the capabilities of the Bank’s executive officers to perform their past and current duties, including those required to respond to the most recent examination report, and to perform annual performance appraisals of each officer;

The Committee completed its review of the Board and the Board committee structure on November 10, 2010 by reviewing the Board Structure Study report completed by an independent consultant engaged by the Committee. The report was forwarded to the OCC on November 24, 2010. The Company is in the process of implementing those recommendations.

The Board completed its assessment of the capabilities of the Bank’s executive officers upon receipt of a Management Study, completed by an independent consultant, on October 13, 2010. The Management Study was forwarded to the OCC on October 29, 2010. The Board of Directors completed a successful search for President and Chief Executive Officer in December 2011. Since the effective date of the Order, other changes have been made to the executive management team related to the size and complexity of the organization.

Annual performance appraisals are prepared for each officer based on established and timely management goals to confirm that each officer is performing the duties outlined in his or her job description.

(vi) by October 31, 2010, the Board was required to adopt, implement and thereafter ensure compliance with a comprehensive conflict of interest policy applicable to the Bank’s and the Company’s directors, executive officers, principal shareholders and their affiliates and such person’s immediate family members and their related interests, employees, and by November 30, 2010, was required to review existing relationships with such persons to identify those, if any, not in compliance with the policy; and review all subsequent proposed transactions with such persons or modifications of transactions;

The Bank’s Conflict of Interest policy has been revised to provide comprehensive guidance and a review was conducted of existing relationships to ensure compliance with the policy. The revised policy was approved by the Board on September 29, 2010 and forwarded to the OCC on October 7, 2010. Additional revisions were approved by the Board on April 29, 2011, October 24, 2012 and May 22, 2013.

(vii) by October 31, 2010, the Board was required to develop, implement and ensure adherence to policies and procedures for Bank Secrecy Act (“BSA”) compliance; and account opening and monitoring procedures compliance;

The Board believes it has developed and implemented a written program of policies and procedures to provide for compliance with the requirements of the Bank Secrecy Act as well as compliance with account opening and monitoring procedures.

(viii) by October 31, 2010, the Board was required to ensure the BSA audit function is supported by an adequately staffed department or third party firm; to adopt, implement and ensure compliance with an independent BSA audit; and to assess the capabilities of the BSA officer and supporting staff to perform present and anticipated duties;

The Board believes that the Bank’s BSA audit function is adequately staffed; and the BSA Officer and staff have been assessed to determine their ability to implement and maintain compliance with the BSA policies and programs detailed above.

(ix) by October 31, 2010, the Board was required to adopt, implement and ensure adherence to a written credit policy, including specified features, to improve the Bank’s loan portfolio management;

The Bank’s written Loan Policy has been revised to improve guidance and control over the Bank’s lending functions.  The revised policy was approved by the Board on October 27, 2010.  Additional revisions were approved by the Board on November 24, 2010, July 27, 2011, October 27, 2011, March 28, 2012, June 27, 2012, October 11, 2012 and July 24, 2013.

(x) the Board was required to take certain actions to resolve certain credit and collateral exceptions;

The Board believes that it has taken action to appropriately address the credit and collateral exceptions concerns detailed in the Order.

(xi) by October 31, 2010, the Board was required to establish an effective, independent and ongoing loan review system to review, at least quarterly, the Bank’s loan and lease portfolios to assure the timely identification and categorization of problem credits; by October 31, 2010, to adopt and adhere to a program for the maintenance of an adequate ALLL, and to review the adequacy of the Bank’s ALLL at least quarterly;

The Board has established an independent and ongoing loan review program on a quarterly basis that it believes provides for the timely identification and categorization of problem credits.

The ALLL policy and methodologies have been reviewed and revised to determine the appropriate level of the ALLL, including documenting the analysis in accordance with GAAP and other applicable regulatory guidelines.  The revised policy was approved by the Board on October 27, 2010 and is updated on an annual basis.  The Board reviews the ALLL methodology analysis on a quarterly basis as part of the financial reporting process.

(xii) by October 31, 2010, the Board was required to adopt and the Bank implement and adhere to a program to protect the Bank’s interest in criticized assets; and the Bank may only extend additional credit (including renewals) to a borrower whose loans are criticized under specified circumstances;

The Board committed to a program to reduce the Bank’s risk exposure to criticized assets by implementing a detailed monthly reporting and monitoring process. The Board believes that this program has resulted in a reduction in criticized assets.

In accordance with the requirements of the Order, the Bank has not extended any additional credit to, or for the benefit of, any borrower who has a loan or other extension of credit that either has been charged off or criticized without the prior approval of the Bank’s Board, or loan committee under specified circumstances, since the date of the Order.

(xiii) by October 31, 2010, the Board was required to adopt and ensure adherence to action plans for each piece of other real estate owned;

The Board committed to action plans for each piece of other real estate owned centered around a robust reporting and monitoring process. The Board believes that this program has resulted in a substantial reduction in other real estate owned balances.

(xiv) by November 30, 2010, the Board was required to develop, implement and ensure adherence to a policy for effective monitoring and management of concentrations of credit;

The Board believes it developed and implemented a written concentration management program consistent with OCC Bulletin 2006-46 on November 24, 2010. This program was forwarded to the OCC on November 30, 2010. Loan concentration analysis reports are prepared and reviewed quarterly by the Board as part of the Bank’s loan portfolio management practices.

(xv) by October 31, 2010, the Board was required to revise and implement the Bank’s other than temporary impairment policy;

The Board believes that the Other Than Temporary Impairment Policy has been reviewed and revised so that the quarterly other-than-temporary impairment ("OTTI") analysis process identifies and measures OTTI in accordance with GAAP and supervisory guidance, including Financial Accounting Standards Board Accounting Standards Codification 320-10-35 (Recognition and Presentation of Other-than-Temporary Impairments), OCC Bulletin 2009-11 dated April 17, 2009, "Other-than-Temporary Impairment Accounting" and OCC Call Report Instructions.

(xvi) by October 31, 2010, the Board was required to take action to maintain adequate sources of stable funding and liquidity and a contingency funding plan; by October 31, 2010, the Board was required to adopt, implement and ensure compliance with an independent, internal audit program; and

A Liquidity Funding policy that addresses liquidity needs, funding sources and contingency funding was approved by the Board on November 24, 2010 and has been implemented. Additional policies related to liquidity, funding and contingency funding have since been created and are updated annually since the Order was executed.

The Board believes that it has taken appropriate steps to adopt, implement and comply with an independent adequately staffed internal audit program.

(xvii) take actions to correct cited violations of law; and adopt procedures to prevent future violations and address compliance management.

The Board and management believe that they have taken appropriate action to correct cited violations and adopted procedures designed to prevent future violations and address compliance management.

Federal Reserve Agreement. On November 24, 2010, the Company entered into the Agreement with the Reserve Bank. The Agreement requires the Company to undertake certain actions within designated timeframes, and to operate in compliance with the provisions thereof during its term. The material provisions of the Agreement include those set forth below including a description of the status of the Company’s efforts to comply with such provision:

(i) the Company’s Board was required to take appropriate steps to fully utilize the Company’s financial and managerial resources to serve as a source of strength to the Bank, including taking steps to ensure that the Bank complies with its Consent Order entered into with the OCC;

The Company has taken, and continues to take, steps the Board believes are appropriate to use the Company’s financial and managerial resources to serve as a source of strength to the Bank. The steps the Bank has taken to comply with the Order are discussed above.

(ii) the Company may not declare or pay any dividends without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation (the “Director”) of the Federal Reserve Board;

The Company has acknowledged the prohibition on payment of dividends without the prior written consent of the Reserve Bank and Director of the Division of Banking Supervision and Regulation. The Company has not paid any dividends since the effective date of the Agreement.

(iii) the Company may not take dividends or other payments representing a reduction of the Bank’s capital without the prior written approval of the Reserve Bank;

The Company has acknowledged the prohibition on taking dividends or any other capital distributions from the Bank without the prior written consent of the Reserve Bank. The Bank has not paid and the Company has not received any dividends or capital distributions from the Bank since the effective date of the Agreement.

(iv) the Company and its nonbank subsidiary may not make any payment of interest, principal or other amounts on the Company’s subordinated debentures or trust preferred securities without the prior written approval of the Reserve Bank and the Director;

The Company has acknowledged the prohibition on any payment related to the Company’s subordinated debentures and trust preferred securities without the written approval of the Reserve Bank and Director. The Company has not made any payments of interest, principal or other amounts on the Company’s subordinated debentures or trust preferred securities since the effective date of the Agreement.

(v) the Company may not make any payment of interest, principal or other amounts on debt owed to insiders of the Company without the prior written approval of the Reserve Bank and Director;

The Company has acknowledged the prohibition on any payment related to the debt owed to insiders of the Company without the written approval of the Reserve Bank and Director. The Company has not made any payments related to debt owed to insiders since the effective date of the Agreement.

(vi) the Company and its nonbank subsidiary may not incur, increase or guarantee any debt without the prior written approval of the Reserve Bank;

The Company has acknowledged the prohibition on incurring, increasing or guaranteeing any debt without the written approval of the Reserve Bank. The Company has not incurred, increased or guaranteed any debt since the effective date of the Agreement.

(vii) the Company may not purchase or redeem any shares of its stock without the prior written approval of the Reserve Bank;

The Company has acknowledged the prohibition on purchasing or redeeming any shares of its stock without the written approval of the Reserve Bank. The Company has not purchased or redeemed any shares of its stock since the effective date of the Agreement.

(viii) the Company was required to submit to the Reserve Bank, by January 23, 2011, an acceptable written plan to maintain sufficient capital at the Company on a consolidated basis. Thereafter, the Company must notify the Reserve Bank within 45 days of the end of any quarter in which the Company’s capital ratios fall below the approved capital plan’s minimum ratios, and submit an acceptable written plan to increase the Company’s capital ratios above the capital plan’s minimums;

The Company has developed a Capital Plan that it believes is acceptable and maintains sufficient capital at the Company on a consolidated basis. The Capital Plan was submitted to the Reserve Bank on January 11, 2011. The Capital Plan has since been updated at least annually and forwarded to the Reserve Bank.

Given the inability to achieve the minimum capital requirements of the Order at the Bank level, the Company continues to update the Reserve Bank on a quarterly basis of its plans to increase its capital ratios above the Capital Plan minimums.

(ix) the Company was required to immediately take all actions necessary to ensure that: (1) each regulatory report accurately reflects the Company’s condition on the date for which it is filed and all material transactions between the Company and its subsidiaries; (2) each such report is prepared in accordance with its instructions; and (3) all records indicating how the report was prepared are maintained for supervisory review;

The Company believes that it has taken actions to ensure that all required regulatory reports are filed to accurately reflect its financial condition on the date filed, are prepared in accordance with instructions and that records detailing how the reports were filed are maintained and available for supervisory review.

(x) the Company was required to submit to the Reserve Bank, by January 23, 2011, acceptable written procedures to strengthen and maintain internal controls to ensure all required regulatory reports and notices filed with the Board of Governors are accurate and filed in accordance with the instructions for preparation;

The Company believes that it has designed effective written procedures and strengthened internal controls so that all required Board of Governors reports and notices filed are accurate and in accordance with instructions. The written procedures were provided to the Reserve Bank on January 21, 2011.

(xi) the Company was required to submit to the Reserve Bank, by January 8, 2011, a cash flow projection for 2011, reflecting the Company’s planned sources and uses of cash, and submit a cash flow projection for each subsequent calendar year at least one month prior to the beginning of such year;

The Company created a cash flow projection for 2011 and submitted it to the Reserve Bank on January 7, 2011 in accordance with requirements of the Agreement. Similar projections for 2012 and 2013 were provided to the Reserve Bank within the time requirements prescribed in the Agreement.

(xii) the Company must comply with: (1) the notice provisions of Section 32 of the FDI Act and Subpart H of Regulation Y in appointing any new director or senior executive officer or changing the duties of any senior executive officer; and (2) the restrictions on indemnification and severance payments of Section 18(k) of the FDI Act and Part 359 of the FDIC’s regulations; and

The Company has acknowledged the notice requirements on the appointment of any new director or senior executive officer. The Company has filed the appropriate notice on any new director or senior executive officer since the date of the Agreement.

The Company acknowledges the restriction on indemnification and severance payments. The Company has not made any such indemnification or severance payments since the effective date of the Agreement.

(xiii) the Board must submit written progress reports within 30 days of the end of each calendar quarter.

The Company’s Board has filed each of the required written progress reports with the Reserve Bank since the Agreement was executed.

During the nine months ended September 30, 2013, and the year ended December 31, 2012, the Company incurred approximately $292 thousand and $585 thousand, respectively, of expenses related to complying with these regulatory agreements, consisting primarily of professional and consulting fees.  In addition, the Order and the Agreement place restrictions on the Company’s ability to borrow funds and to pay interest and dividends to its security holders. In the future, the Company may continue to experience increased costs related to compliance with these regulatory agreements and also expects to face certain restrictions on its operations for as long as it continues to operate under the Order and the Agreement. The Company expects, however, that future compliance expenses will continue to decrease from the 2012 level.

The Order and Agreement have not and are not expected to have an impact on the Company’s ability to attract and maintain deposits or the Company’s cost of funds. In order to meet the increased capital requirements imposed under the Order and the Agreement, however, unless the Company is able to raise additional capital, the Company could be limited in the aggregate amount of loans it can have outstanding, which may constrain loan growth. While it is not anticipated that the Order and the Agreement will have an impact on the Company’s net interest margin, the overall cost of compliance with the Order and the Agreement is expected to impact profitability at least through the end of 2013.

Banking regulations also limit the amount of dividends that may be paid without prior approval of the Bank’s regulatory agency. As of November 12, 2013, the Company and the Bank are restricted from paying any dividends without regulatory approval.

The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material adverse effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices must be met. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

In July 2013, the Federal Reserve, the OCC and the FDIC approved the final Basel III capital framework for U.S. banking organizations (the “Regulatory Capital Rules”) implementing regulatory capital reforms and changes required by the Dodd-Frank Act.

The Regulatory Capital Rules are effective on January 1, 2014; however, the mandatory compliance date for the Company and the Bank as “standardized approach” banking organizations begins on January 1, 2015 and is subject to transitional provisions extending to January 1, 2019. The Regulatory Capital Rules include new risk-based capital and leverage ratios and refine the definition of what constitutes “capital” for purposes of calculating those ratios. The new minimum capital level requirements applicable to the Company and the Bank under the Regulatory Capital Rules will be:

⋅      a new common equity Tier 1 capital ratio of 4.5%;

⋅      a Tier 1 capital ratio of 6% (increased from 4%);

⋅      a total capital ratio of 8% (unchanged from current rules); and

⋅      a Tier 1 leverage ratio of 4% for all institutions.

The Regulatory Capital Rules also establish a “capital conservation buffer” of 2.5% above the new regulatory minimum capital requirements, which must consist entirely of common equity Tier 1 capital and result in the following minimum ratios:

⋅      a common equity Tier 1 capital ratio of 7.0%;

⋅      a Tier 1 capital ratio of 8.5%; and

⋅      a total capital ratio of 10.5%.

The new capital conservation buffer requirement will be phased in beginning in January 2016 at 0.625% of risk-weighted assets and will increase by that amount each year until fully implemented in January 2019. An institution will be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations will establish a maximum percentage of eligible retained income that could be utilized for such actions.

The Regulatory Capital Rules also implement revisions and clarifications consistent with Basel III regarding the various components of Tier 1 capital, including common equity, unrealized gains and losses, as well as certain instruments that will no longer qualify as Tier 1 capital, some of which will be phased out over time.

The Regulatory Capital Rules also revise the prompt corrective action framework, which is designed to place restrictions on insured depository institutions, including the Bank, if their capital levels begin to show signs of weakness. These revisions will take effect January 1, 2015. Under the prompt corrective action requirements, which are designed to complement the capital conservation buffer, insured depository institutions will be required to meet the following increased capital level requirements in order to qualify as “well capitalized:”

⋅      a new common equity Tier 1 risk-based capital ratio of 6.5%;

⋅      a Tier 1 risk-based capital ratio of 8% (increased from 6%);

⋅      a total risk-based capital ratio of 10% (unchanged from current rules); and

⋅      a Tier 1 leverage ratio of 5% (increased from 4%).

The Regulatory Capital Rules set forth certain changes for the calculation of risk-weighted assets, which we will be required to utilize beginning January 1, 2015. The provisions applicable to banking organizations under the “standardized approach” include changes with respect to risk weights for commercial real estate loans, past due exposures and conversion factors for commitments with an original maturity of one year or less.

Current quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined).

In accordance with the Order, the Bank is required to achieve and thereafter maintain total risk-based capital equal to at least 13% of risk-weighted assets and Tier 1 capital equal to at least 9% of adjusted total assets. At September 30, 2013 and December 31, 2012, the Bank was not in compliance with these requirements. The minimum capital requirements under the Order take precedence over the standard regulatory capital adequacy definitions described in the tables below. The Company’s and the Bank’s actual capital positions and ratios at September 30, 2013 and December 31, 2012 are presented in the following table:

Capital Analysis

September 30,

December 31,

(in thousands)

2013

2012

Company

Tier I capital:

Total tier I capital

$

44,025

$

39,587

Tier II capital:

Subordinated notes

22,015

19,796

Allowable portion of allowance for loan losses

8,528

8,452

Total tier II capital

30,543

28,248

Total risk-based capital

74,568

67,835

Total risk-weighted assets

$

672,645

$

665,323

Bank

Tier I capital:

Total tier I capital

$

76,307

$

69,963

Tier II capital:

Allowable portion of allowance for loan losses

8,523

8,447

Total tier II capital

8,523

8,447

Total risk-based capital

84,830

78,410

Total risk-weighted assets

$

672,231

$

664,914

To Be Well

Capitalized

Under Prompt

For Capital

Corrective

Actual

Adequacy Purposes

Action Provision

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

30-Sep-13

Total capital

(to risk-weighted assets)

Company

$

74,568

11.09

%

$

>53,812

8

%

N/A

N/A

Bank

$

84,830

12.62

%

$

>53,779

8

%

$

>67,223

10

%

Tier I capital

(to risk-weighted assets)

Company

$

44,025

6.55

%

$

>26,906

4

%

N/A

N/A

Bank

$

76,307

11.35

%

$

>26,889

4

%

$

>40,334

6

%

Tier I capital

(to average assets)

Company

$

44,025

4.61

%

$

>38,194

4

%

N/A

N/A

Bank

$

76,307

7.99

%

$

>38,179

4

%

$

>47,724

5

%

To Be Well

Capitalized

Under Prompt

For Capital

Corrective

Actual

Adequacy Purposes

Action Provision

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

31-Dec-12

Total capital

(to risk-weighted assets)

Company

$

67,835

10.2

%

$

>53,226

>8.00

%

N/A

N/A

Bank

$

78,410

11.79

%

$

>53,193

>8.00

%

$

>66,491

>10.00

%

Tier I capital

(to risk-weighted assets)

Company

$

39,587

5.95

%

$

>26,613

>4.00

%

N/A

N/A

Bank

$

69,963

10.52

%

$

>26,597

>4.00

%

$

>39,895

>6.00

%

Tier I capital

(to average assets)

Company

$

39,587

4.07

%

$

>38,879

>4.00

%

N/A

N/A

Bank

$

69,963

7.2

%

$

>38,865

>4.00

%

$

>48,581

>5.00

%

Loans

Loans	9 Months Ended
	Sep. 30, 2013
Loans	'
LOANS	'
	Note 4.   Loans
	Loans receivable, net, consists of the following at September 30, 2013 and December 31, 2012:
		September 30,			December 31,
	(in thousands)	2013			2012
	Residential real estate	$	115,645		$	90,228
	Commercial real estate		238,492			221,591
	Construction, land acquisition, and development		29,290			32,502
	Commercial and industrial		114,096			109,693
	Consumer		117,552			109,783
	State and political subdivisions		41,021			33,978
	Total loans, gross		656,096			597,775
	Unearned discount		-159			-103
	Net deferred loan fees and costs		553			260
	Allowance for loan and lease losses		-17,618			-18,536
	Loans, net	$	638,872		$	579,396
	The Company has granted loans, letters of credit and lines of credit to certain executive officers and directors of the Company as well as to certain related parties of executive officers and directors. See Note 10 to these consolidated financial statements for more information about related party transactions.
	The Company originates one-to-four family mortgage loans primarily for sale in the secondary market. During the three and nine month periods ended September 30, 2013, the Company sold $2.5 and $9.0 million, respectively, of one-to-four family mortgages. The Company retains servicing rights on these mortgages.
	The Company had $884 thousand and $1.6 million in loans held-for-sale at September 30, 2013 and December 31, 2012, respectively. All loans held for sale are one-to-four family residential mortgage loans.
	The Company does not have any lending programs commonly referred to as subprime lending. Subprime lending generally targets borrowers with weakened credit histories typically characterized by payment delinquencies, previous charge-offs, judgments, and bankruptcies, or borrowers with questionable repayment capacity as evidenced by low credit scores or high debt-burden ratios.
	See Note 2 to the Company’s consolidated financial statements included in the 2012 Form 10-K for the risk characteristics related to the Company’s loan segments.
	The Company provides for loan losses based on the consistent application of its documented ALLL methodology. Loan losses are charged to the ALLL and recoveries are credited to it. Additions to the ALLL are provided by charges against income based on various factors which, in management’s judgment, deserve current recognition of estimated probable losses. Loan losses are charged-off in the period the loans, or portions thereof, are deemed uncollectible. Generally, the Company will record a loan charge-off (including a partial charge-off) to reduce a loan to the estimated recoverable amount based on its methodology detailed below. The Company regularly reviews the loan portfolio and makes adjustments for loan losses in order to maintain the ALLL in accordance with GAAP. The ALLL consists primarily of the following two components:
	(1)   Specific allowances are established for impaired loans, which are defined by the Company as all loan relationships with an aggregate outstanding balance greater than $100 thousand that are rated substandard and on non-accrual status, rated doubtful or loss, and all troubled debt restructured loans (“TDRs”). The amount of impairment provided for as an allowance is represented by the deficiency, if any, between the carrying value of the loan and either (a) the present value of expected future cash flows discounted at the loan’s effective interest rate, (b) the loan’s observable market price, or (c) the fair value of the underlying collateral, less estimated costs to sell, for collateral dependent loans. Impaired loans that have no impairment losses are not considered for general valuation allowances described below. If the Company determines that collection of the impairment amount is remote, the Company will record a charge-off.
	(2)   General allowances are established for loan losses on a portfolio basis for loans that do not meet the definition of impaired. The Company divides its portfolio into loan segments, with loans exhibiting similar characteristics. Loans rated special mention or substandard and accruing which are embedded in these loan segments are then separated from these loan segments. These loans are then subject to an analysis placing increased emphasis on the credit risk associated with these types of loans. The Company applies an estimated loss rate to each loan group. The loss rates applied are based on the Company’s own historical loss experience based on the loss rate for each segment of loans with similar risk characteristics in its portfolio. In addition, management evaluates and applies certain qualitative or environmental factors that are likely to cause estimated credit losses associated with the Company’s existing portfolio to differ from historical experience, which are discussed below. This evaluation is inherently subjective, as it requires material estimates that may be susceptible to significant revisions based upon changes in economic and real estate market conditions. Actual loan losses may be significantly more than the ALLL that is established, which could have a material negative effect on the Company’s operating results or financial condition.
	Management makes adjustments for loan losses based on its evaluation of several qualitative and environmental factors, including but not limited to:
	⋅      Changes in national, local, and business economic conditions and developments, including the condition of various market segments;
	⋅      Changes in the nature and volume of the Company’s loan portfolio;
	⋅      Changes in the Company’s lending policies and procedures, including underwriting standards, collection, charge-off and recovery practices and results;
	⋅      Changes in the experience, ability and depth of the Company’s lending management and staff;
	⋅      Changes in the quality of the Company's loan review system and the degree of oversight by the Company’s Board of Directors;
	⋅      Changes in the trend of the volume and severity of past due and classified loans, including trends in the volume of non-accrual loans, troubled debt restructurings and other loan modifications;
	⋅      The existence and effect of any concentrations of credit and changes in the level of such concentrations;
	⋅      The effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the Company's current loan portfolio; and
	⋅      Analysis of customers’ credit quality, including knowledge of their operating environment and financial condition.
	Management evaluates the ALLL based on the combined total of the impaired and general components. Generally, when the loan portfolio increases, absent other factors, the ALLL methodology results in a higher dollar amount of estimated probable losses. Conversely, when the loan portfolio decreases, absent other factors, the ALLL methodology results in a lower dollar amount of estimated probable losses.
	Each quarter, management evaluates the ALLL and adjusts the ALLL as appropriate through a provision for loan losses. While the Company uses the best information available to make evaluations, future adjustments to the ALLL may be necessary if conditions differ substantially from the information used in making the evaluations. In addition, as an integral part of its examination process, the OCC periodically reviews the Company’s ALLL. The OCC may require the Company to adjust the ALLL based on its analysis of information available to it at the time of its examination.
	The following tables present the activity in the ALLL by loan category for the three and nine months ended September 30, 2013 and 2012:
		Real Estate
	(in thousands)	Residential			Commercial			Construction, Land			Commercial and			Consumer			State and Political			Total
		Real Estate			Real Estate			Acquisition and			Industrial						Subdivisions
								Development
	Three months ended September 30, 2013:
	Allowance for loan losses:
	Beginning balance, July 1, 2013	$	2,145		$	7,823		$	2,390		$	3,487		$	1,760		$	983		$	18,588
	Charge-offs		-98			-			-65			-116			-74			-			-353
	Recoveries		9			362			5			71			95			-			542
	Provisions		215			-869			-141			-225			105			-244			-1,159
	Ending balance, September 30, 2013	$	2,271		$	7,316		$	2,189		$	3,217		$	1,886		$	739		$	17,618
	Three months ended September 30, 2012:
	Allowance for loan losses:
	Beginning balance, July 1, 2012	$	2,005		$	9,792		$	1,665		$	4,058		$	1,624		$	456		$	19,600
	Charge-offs		-92			-144			-			-3,185			-198			-			-3,619
	Recoveries		14			627			5			28			80			-			754
	Provisions		22			-708			62			4,294			126			-4			3,792
	Ending balance, September 30, 2012	$	1,949		$	9,567		$	1,732		$	5,195		$	1,632		$	452		$	20,527
	Nine months ended September 30, 2013:
	Allowance for loan losses:
	Beginning balance, January 1, 2013	$	1,764		$	8,062		$	2,162		$	4,167		$	1,708		$	673		$	18,536
	Charge-offs		-445			-48			-175			-244			-433			-			-1,345
	Recoveries		190			471			124			1,656			371			-			2,812
	Provisions		762			-1,169			78			-2,362			240			66			-2,385
	Ending balance, Setpember 30, 2013	$	2,271		$	7,316		$	2,189		$	3,217		$	1,886		$	739		$	17,618
	Nine months ended September 30, 2012
	Allowance for loan losses:
Beginning balance, January 1, 2012	$	1,823		$	11,151		$	2,590		$	3,292		$	1,526		$	452		$	20,834
Charge-offs		-535			-1,040			-			-3,335			-447			-			-5,357
Recoveries		48			957			260			210			199			-			1,674
Provisions		613			-1,501			-1,118			5,028			354			-			3,376
Ending balance, September 30, 2012	$	1,949		$	9,567		$	1,732		$	5,195		$	1,632		$	452		$	20,527
The following tables present the allocation of the allowance for loan losses and the related loan by loan portfolio segment disaggregated based on the impairment methodology at September 30, 2013 and December 31, 2012:
	Real Estate
(in thousands)	Residential Real			Commercial Real			Construction, Land			Commercial and			Consumer			State and Political			Total
	Estate			Estate			Acquisition and			Industrial						Subdivisions
							Development
30-Sep-13
Allowance for loan losses:
Individually evaluated for impairment	$	26		$	319		$	2		$	-		$	-		$	-		$	347
Collectively evaluated for impairment		2,245			6,997			2,187			3,217			1,886			739			17,271
Total	$	2,271		$	7,316		$	2,189		$	3,217		$	1,886		$	739		$	17,618
Loans receivable:
Individually evaluated for impairment	$	2,056		$	9,505		$	492		$	-		$	-		$	-		$	12,053
Collectively evaluated for impairment		113,589			228,987			28,798			114,096			117,552			41,021			644,043
Total	$	115,645		$	238,492		$	29,290		$	114,096		$	117,552		$	41,021		$	656,096
31-Dec-12
Allowance for loan losses:
Individually evaluated for impairment	$	40		$	268		$	2		$	-		$	-		$	-		$	310
Collectively evaluated for impairment		1,724			7,794			2,160			4,167			1,708			673			18,226
Total	$	1,764		$	8,062		$	2,162		$	4,167		$	1,708		$	673		$	18,536
Loans receivable:
Individually evaluated for impairment	$	2,773		$	11,459		$	993		$	-		$	-		$	-		$	15,225
Collectively evaluated for impairment		87,455			210,132			31,509			109,693			109,783			33,978			582,550
Total	$	90,228		$	221,591		$	32,502		$	109,693		$	109,783		$	33,978		$	597,775
Credit Quality Indicators – Commercial Loans
The Company continuously monitors the credit quality of its commercial loans. Credit quality is monitored by reviewing certain credit quality indicators. Management has determined that its credit risk ratings are the key credit quality indicator that best help management monitor the credit quality of the Company’s loan receivables.
The Bank’s commercial loan classification and credit grading processes are part of the lending, underwriting, and credit administration functions to ensure an ongoing assessment of credit quality. Accurate and timely loan classification and credit grading is a critical component of loan portfolio management. Loan officers are required to review their loan portfolio risk ratings regularly for accuracy. The loan review function uses the same risk rating system in the loan review process. This allows an independent third party to assess the quality of the portfolio and compare the accuracy of ratings with the loan officer’s and management’s assessment.
A formal loan classification and credit grading system reflects the risk of default and credit losses. A written description of the risk ratings is maintained that includes a discussion of the factors used to assign appropriate classifications of credit grades to loans. The process identifies groups of loans that warrant the special attention of management. The risk grade groupings provide a mechanism to identify risk within the loan portfolio and provide management and the Board with periodic reports by risk category. The credit risk ratings play an important role in the establishment and evaluation of the provision for loan and lease losses and the ALLL. After determining the historical loss factor which is adjusted for qualitative and environmental factors for each portfolio segment, the portfolio segment balances that have been collectively evaluated for impairment are multiplied by the general reserve loss factor for the respective portfolio segments to determine the general reserve. Loans that have an internal credit rating of special mention or substandard follow the same process; however, the qualitative and environmental factors are further adjusted for the increased risk.
The Company utilizes a loan rating system that assigns a degree of risk to commercial loans based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. Management analyzes these non-homogeneous loans individually by grading the loans as to credit risk and probability of collection for each type of loan. Commercial loans include commercial indirect auto loans which are not individually risk rated, and Construction, Land Acquisition and Development Loans include residential construction loans which are also not individually risk rated. These loans are monitored on a pool basis due to their homogeneous nature as described in “Credit Quality Indicators – Other Loans” below. The Company risk rates certain residential real estate loans and consumer loans that are part of a larger commercial relationship using its credit grading system. The grading system contains the following basic risk categories:
1. Minimal Risk
2. Above Average Credit Quality
3. Average Risk
4. Acceptable Risk
5. Pass - Watch
6. Special Mention
7. Substandard - Accruing
8. Substandard - Non-Accrual
9. Doubtful
10. Loss
This analysis is performed on a quarterly basis using the following definitions for risk ratings:
Pass - Assets rated 1 through 5 are considered pass ratings. These assets show no current or potential problems and are considered fully collectible. All such loans are considered collectively for ALLL calculation purposes. However, accruing TDRs that have been performing for an extended period of time, do not represent a higher risk of loss, and have been upgraded to a pass rating are evaluated individually for impairment.
Special Mention – Assets classified as special mention assets do not currently expose the Company to a sufficient degree of risk to warrant an adverse classification but do possess credit deficiencies or potential weaknesses deserving close attention.  Special Mention assets have a potential weakness or pose an unwarranted financial risk which, if not corrected, could weaken the asset and increase risk in the future.
Substandard – Assets classified as substandard have well defined weaknesses based on objective evidence, and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.
Doubtful – Assets classified as doubtful have all of the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses present make collection or liquidation in full highly questionable and improbable based on current circumstances.
Loss – Assets classified as loss are those considered uncollectible and of such little value that their continuance as assets is not warranted.
The following tables present the recorded investment in loans receivable by the aforementioned class of loan and credit quality indicator at September 30, 2013 and December 31, 2012:
Commercial Credit Quality Indicators
September 30, 2013
	Real Estate
(in thousands)	Residential Real			Commercial Real			Construction, Land			Commercial and			Consumer			State and Political			Total
	Estate			Estate			Acquisition and			Industrial						Subdivisions
							Development
Internal risk rating
Pass	$	19,321		$	207,213		$	20,935		$	102,005		$	2,612		$	40,264		$	392,350
Special mention		1,187			13,843			-			2,310			-			-			17,340
Substandard		1,264			17,436			6,356			4,198			147			757			30,158
Doubtful		-			-			-			-			-			-			-
Loss		-			-			-			-			-			-			-
Total	$	21,772		$	238,492		$	27,291		$	108,513		$	2,759		$	41,021		$	439,848
Commercial Credit Quality Indicators
December 31, 2012
	Real Estate
(in thousands)	Residential Real			Commercial Real				Construction, Land			Commercial and			Consumer			State and Political			Total
	Estate			Estate				Acquisition and			Industrial						Subdivisions
								Development
Internal risk rating
Pass	$	17,138		$	189,903			$	23,052		$	93,484		$	3,324		$	28,204		$	355,105
Special mention		564			8,587				57			7,437			-			849			17,494
Substandard		2,309			23,101				7,395			3,395			143			4,925			41,268
Doubtful		-			-				-			-			-			-			-
Loss		-			-				-			-			-			-			-
Total	$	20,011		$	221,591			$	30,504		$	104,316		$	3,467		$	33,978		$	413,867
Credit Quality Indicators – Other Loans
Certain residential real estate loans, consumer loans and commercial indirect auto loans are monitored on a pool basis due to their homogeneous nature. Loans that are delinquent 90 days or more are considered non-accrual. The Company utilizes accruing versus non-accruing status as the credit quality indicator for these loan pools. The following table presents the recorded investment in residential real estate loans, consumer loans and commercial indirect auto loans based on payment activity as of September 30, 2013 and December 31, 2012.
	September 30, 2013									December 31, 2012
	Accruing			Non-Accruing						Accruing			Non-Accruing
(in thousands)	Loans			Loans			Total			Loans			Loans				Total
Construction, land acquisition and	$	1,999		$	-		$	1,999		$	1,998		$	-		$	1,998
development - residential
Residential real estate		91,982			1,891			93,873			68,446			1,771			70,217
Commercial - indirect auto		5,573			10			5,583			5,377			-			5,377
Consumer		114,551			242			114,793			106,272			44			106,316
Total	$	214,105		$	2,143		$	216,248		$	182,093		$	1,815		$	183,908
Included in loans receivable are loans for which the accrual of interest income has been discontinued due to deterioration in the financial condition of the borrowers. The recorded investment in these non-accrual loans was $7.2 million and $9.7 million at September 30, 2013 and December 31, 2012, respectively. Generally, loans are placed on non-accruing status when they become 90 days or more delinquent, and remain on non-accrual status until they are brought current, have six months of performance under the loan terms and factors indicating reasonable doubt about the timely collection of payments no longer exist. Therefore, loans may be current in accordance with their loan terms, or may be fewer than 90 days delinquent and still be on a non-accruing status. Loans past due 90 days or more and still accruing interest were $7 thousand and $57 thousand at September 30, 2013 and December 31, 2012, respectively, and consisted of loans that are well secured and are in the process of renewal.
The following tables set forth the detail, and delinquency status, of past due and non-accrual loans at September 30, 2013 and December 31, 2012:
	Performing and Non-Performing Loan Delinquency Status
	September 30, 2013
	Delinquency Status
(in thousands)	0-29 Days Past			30-59 Days Past			60-89 Days Past			>/=160;90 Days Past			Total
	Due			Due			Due			Due
Performing (accruing) loans
Real estate:
Residential real estate	$	112,433		$	407		$	291		$	-		$	113,131
Commercial real estate		233,946			56			171			-			234,173
Construction, land acquisition and development		29,245			-			-			-			29,245
Total real estate		375,624			463			462			-			376,549
Commercial and industrial		113,605			250			146			7			114,008
Consumer		115,715			1,142			445			-			117,302
State and political subdivisions		41,021			-			-			-			41,021
Total performing (accruing) loans		645,965			1,855			1,053			7			648,880
Non-accrual loans
Real estate:
Residential real estate		1,155			90			89			1,180			2,514
Commercial real estate		4,319			-			-			-			4,319
Construction, land acquisition and development		45			-			-			-			45
Total real estate		5,519			90			89			1,180			6,878
Commercial and industrial		56			-			29			3			88
Consumer		20			24			32			174			250
State and political subdivisions		-			-			-			-			-
Total non-accrual loans		5,595			114			150			1,357			7,216
Total loans receivable	$	651,560		$	1,969		$	1,203		$	1,364		$	656,096
	Performing and Non-Performing Loan Delinquency Status
	December 31, 2012
	Delinquency Status
(in thousands)	0-29 Days Past			30-59 Days Past			60-89 Days Past			>/=160;90 Days Past			Total
	Due			Due			Due			Due
Performing (accruing) loans
Real estate:
Residential real estate	$	86,301		$	422		$	31		$	30		$	86,784
Commercial real estate		216,100			194			-			-			216,294
Construction, land acquisition and development		31,899			29			-			-			31,928
Total real estate		334,300			645			31			30			335,006
Commercial and industrial		108,932			517			20			27			109,496
Consumer		107,821			1,489			333			-			109,643
State and political subdivisions		33,978			-			-			-			33,978
Total performing (accruing) loans		585,031			2,651			384			57			588,123
Non-accrual loans
Real estate:
Residential real estate		953			105			230			2,156			3,444
Commercial real estate		250			121			4,352			574			5,297
Construction, land acquisition and development		446			-			-			128			574
Total real estate		1,649			226			4,582			2,858			9,315
Commercial and industrial		61			30			11			95			197
Consumer		2			-			2			136			140
State and political subdivisions		-			-			-			-			-
Total non-accrual loans		1,712			256			4,595			3,089			9,652
Total loans receivable	$	586,743		$	2,907		$	4,979		$	3,146		$	597,775
The total recorded investment in impaired loans, which consists of non-accrual loans with an aggregate loan relationship greater than $100,000 and performing TDRs, amounted to $12.1 million and $15.2 million at September 30, 2013 and December 31, 2012, respectively. The related allowance on impaired loans was $0.3 million at both September 30, 2013 and December 2012.
The following tables present a distribution of the recorded investment, unpaid principal balance and the related allowance for the Company’s impaired loans, which have been analyzed for impairment under ASC 310, at September 30, 2013 and December 31, 2012. Non-accrual loans, other than TDRs, with individual balances less than $100 thousand are not evaluated individually for impairment and are accordingly not included in the following tables. However, these loans are evaluated collectively for impairment as homogenous pools in the general allowance under ASC 450. Total non-accrual loans, other than TDRs, with individual balances less than $100 thousand that were evaluated under ASC 450 amounted to $1.1 million at September 30, 2013 and $1.9 million at December 31, 2012.
Impaired Loans
	September 30, 2013
(in thousands)	Recorded			Unpaid			Related
	Investment			Principal			Allowance
				Balance
With no allowance recorded:
Real estate
Residential real estate	$	1,644		$	1,818		$	-
Commercial real estate		4,137			4,440			-
Construction, land acquisition and development		-			-			-
Total real estate		5,781			6,258			-
Commercial and industrial		-			-			-
Consumer		-			-			-
State and political subdivisions		-			-			-
Total impaired loans with no allowance recorded		5,781			6,258			-
With a related allowance recorded:
Real estate
Residential real estate		412			562			26
Commercial real estate		5,368			5,368			319
Construction, land acquisition and development		492			492			2
Total real estate		6,272			6,422			347
Commercial and industrial		-			-			-
Consumer		-			-			-
State and political subdivisions		-			-			-
Total impaired loans with a related allowance recorded		6,272			6,422			347
Total impaired loans
Real estate
Residential real estate		2,056			2,380			26
Commercial real estate		9,505			9,808			319
Construction, land acquisition and development		492			492			2
Total real estate		12,053			12,680			347
Commercial and industrial		-			-			-
Consumer		-			-			-
State and political subdivisions		-			-			-
Total impaired loans	$	12,053		$	12,680		$	347
Impaired Loans
	December 31, 2012
(in thousands)	Recorded			Unpaid Principal			Related
	Investment			Balance			Allowance
With no allowance recorded:
Real estate:
Residential real estate	$	1,275		$	1,378		$	-
Commercial real estate		389			665			-
Construction, land acquisition and development		709			804			-
Total real estate		2,373			2,847			-
Commercial and industrial		-			-			-
Consumer		-			-			-
State and political subdivisions		-			-			-
Total impaired loans with no allowance recorded		2,373			2,847			-
With a related allowance recorded:
Real estate:
Residential real estate		1,498			1,512			40
Commercial real estate		11,069			11,069			268
Construction, land acquisition and development		285			285			2
Total real estate		12,852			12,866			310
Commercial and industrial		-			-			-
Consumer		-			-			-
State and political subdivisions		-			-			-
Total impaired loans with a related allowance recorded		12,852			12,866			310
Total impaired loans:
Real estate:
Residential real estate		2,773			2,890			40
Commercial real estate		11,459			11,734			268
Construction, land acquisition and development		993			1,089			2
Total real estate		15,225			15,713			310
Commercial and industrial		-			-			-
Consumer		-			-			-
State and political subdivisions		-			-			-
Total impaired loans	$	15,225		$	15,713		$	310
The following table presents by loan portfolio class, the average balance and interest income recognized on impaired loans for the three and nine months ended September 30, 2013 and 2012:
	Three Months Ended September 30,												Nine Months Ended September 30,
	2013						2012						2013						2012
	Average			Interest			Average			Interest			Average			Interest			Average			Interest
	Balance			Income (1)			Balance			Income (1)			Balance			Income (1)			Balance			Income (1)
(in thousands)
Residential real estate	$	2,061		$	2		$	4,227		$	1		$	2,204		$	6		$	4,234		$	6
Commercial real estate		9,767			80			15,421			83			10,503			254			14,302			222
Construction, land acquisition and development		739			6			2,361			8			894			22			2,707			29
Total real estate		12,567			88			22,009			92			13,601			282			21,243			257
Commercial and industrial		-			-			2,308			-			-			-			3,305			-
Consumer		-			-			71			-			-			-			44			-
State and political subdivisions		-			-			202			-			-			-			137			-
Total impaired loans	$	12,567		$	88		$	24,590		$	92		$	13,601		$	282		$	24,729		$	257
(1) Interest income represents income recognized on performing TDRs.
The additional interest income that would have been earned on non-accrual and restructured loans in accordance with their original terms approximated $68 thousand and $457 thousand for the three and nine months ended September 30, 2013, respectively, and $376 thousand and $1.2 million for the three and nine months ended September 30, 2012, respectively.
Troubled Debt Restructured Loans
Troubled Debt Restructured Loans (“TDRs”) at September 30, 2013 and December 31, 2012 were $10.9 million and $8.9 million, respectively. Accruing and non-accruing TDRs were $6.0 million and $4.9 million, respectively at September 30, 2013 and $7.5 million and $1.4 million, respectively at December 31, 2012. Approximately $321 thousand and $257 thousand in specific reserves have been established for these loans as of September 30, 2013 and December 31, 2012, respectively. There were no loans modified as TDRs during the three months ended September 30, 2013.
The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan, an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.
The following tables show the pre- and post- modification recorded investment in loans modified as TDRs by portfolio segment and class of financing receivable during the three and nine months ended September 30, 2013 and 2012:
	Three Months Ended September 30, 2013								Nine Months Ended September 30, 2013
(in thousands)	Number of		Pre-Modification			Post-Modification			Number of		Pre-Modification			Post-Modification
	Contracts		Outstanding			Outstanding			Contracts		Outstanding			Outstanding
			Recorded			Recorded					Recorded			Recorded
			Investments			Investments					Investments			Investments
Troubled debt restructuring:
Residential real estate	-		$	-		$	-		-		$	-		$	-
Commercial real estate	-			-			-		2			4,561			4,561
Construction, land acquisition and development	-			-			-		-			-			-
Commercial and industrial	-			-			-		-			-			-
Total new troubled debt restructuring	-		$	-		$	-		2		$	4,561		$	4,561
	Three Months Ended September 30, 2012								Nine Months Ended September 30, 2012
(in thousands)	Number of			Pre-Modification			Post-Modification		Number of			Pre-Modification			Post-Modification
	Contracts			Outstanding			Outstanding		Contracts			Outstanding			Outstanding
				Recorded			Recorded					Recorded			Recorded
				Investments			Investments					Investments			Investments
Troubled debt restructuring:
Residential real estate	-		$	-		$	-		-		$	-		$	-
Commercial real estate	2			1,996			1,996		2			1,996			1,996
Construction, land acquisition and development	-			-			-		1			39			39
Commercial and industrial	-			-			-		-			-			-
Total new troubled debt restructuring	2		$	1,996		$	1,996		3		$	2,035		$	2,035
One of the loans modified as a TDR during the nine months ended September 30, 2013 is supported by a 90.0% guarantee by the Small Business Administration. The unguaranteed portion of this loan was $402 thousand and the restructuring had no effect on the ALLL at September 30, 2013. The other loan modified as a TDR during the nine months ended September 30, 2013 resulted in an increase to the ALLL of $1 thousand at September 30, 2013.
The following table shows the types of modifications made during the three and nine months ended September 30, 2013 and 2012:
	Three Months Ended September 30, 2013												Nine Months Ended September 30, 2013
							Construction,												Construction,
	Residential			Commercial			Land Acquisition and						Residential			Commercial			Land Acquisition and
(in thousands)	Real Estate			Real Estate			Development			Total			Real Estate			Real Estate			Development			Total
Type of modification:
Extension of term	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Principal forebearance		-			-			-			-			-			4,561			-			4,561
Total TDRs	$	-		$	-		$	-		$	-		$	-		$	4,561		$	-		$	4,561
	Three Months Ended September 30, 2012												Nine Months Ended September 30, 2012
							Construction,												Construction,
	Residential			Commercial			Land Acquisition and						Residential			Commercial			Land Acquisition and
(in thousands)	Real Estate			Real Estate			Development			Total			Real Estate			Real Estate			Development			Total
Type of modification:
Extension of term	$	-		$	1,996		$	-		$	1,996		$	-		$	1,996		$	39		$	2,035
Principal forbearance		-			-			-			-			-			-			-			-
Total TDRs	$	-		$	1,996		$	-		$	1,996		$	-		$	1,996		$	39		$	2,035
There were no TDRs that re-defaulted during the three months and nine months ended September 30, 2013. The following table summarizes TDRs which have re-defaulted (defined as past due 90 days) during the three and nine months ended September 30, 2012 that were restructured within the last twelve months prior to re-default:
	Three Months Ended September 30, 2012					Nine Months Ended September 30, 2012
	Number of Contracts		Recorded Investment			Number of Contracts		Recorded Investment
(in thousands)
Commercial real estate	-		$	-		-		$	-
Construction, land acquistion and development	-			-		1			408
Total	-		$	-		1		$	408

Other_Real_Estate_Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2013
Other Real Estate Owned	'
Other Real Estate Owned	'
	Note 5. Other Real Estate Owned
	The following schedule presents a breakdown of OREO at September 30, 2013 and December 31, 2012:
		September 30,		December 31,
	(in thousands)	2013		2012
	Land/lots	$	3,844	$	2,929
	Commercial real estate		441		1,054
	Residential real estate		120		-
	Total	$	4,405	$	3,983
	The following schedule presents the activity in OREO for the nine months ended September 30, 2013 and 2012:
		Nine Months Ended September 30,
	(in thousands)	2013		2012
	Balance, January 1,	$	3,983	$	6,958
	Loans transferred to OREO		255		1,385
	Bank premises transferred to OREO		1,819		-
	Valuation adjustments		-257		-808
	Carrying value of OREO sold		-1,395		-2,463
	Balance, September 30,	$	4,405	$	5,072
	During the third quarter of 2013, the Company transferred to OREO three vacant lots with an aggregate carrying value of $1.8 million from Bank Premises and Equipment that were previously held for future expansion and are now held for sale. These three lots were written down to fair value less cost to sell of $1.7 million. The Company recognized a valuation adjustment of $69 thousand at the time of transfer, which is included in non-interest expense.
	The following table presents the components of net expense of OREO for the nine months ended September 30, 2013 and 2012:
		Nine Months Ended
		September 30,
	(in thousands)	2013		2012
	Insurance	$	133	$	60
	Legal fees		122		55
	Maintenance		43		46
	Income from the operation of foreclosed properties		-26		-13
	Professional fees		44		178
	Real estate taxes		127		224
	Utilities		9		15
	Other		59		80
	Impairment charges		257		808
	Total	$	768	$	1,453

Securities

Securities	9 Months Ended
	Sep. 30, 2013
Securities	'
Securities	'
	Note 6.  Securities
	Securities have been classified as available-for-sale or held-to-maturity in the consolidated financial statements according to management’s intent.   The following tables present the amortized cost, gross unrealized gains and losses, and the fair value of the Company’s available-for-sale and held-to-maturity securities at September 30, 2013 and December 31, 2012:
			September 30, 2013
					Gross		Gross
					Unrealized		Unrealized
			Amortized		Holding		Holding
	(in thousands)		Cost		Gains		Losses		Fair Value
	Available-for-sale:
	Obligations of state and political subdivisions		$	71,237	$	2,306	$	2,326	$	71,217
	Government sponsored agency:
	Collateralized mortgage obligations			21,356		41		720		20,677
	Residential mortgage-backed securities			94,190		83		1,919		92,354
	Corporate debt securities			500		-		95		405
	Equity securities			1,010		-		49		961
	Total available-for-sale securities		$	188,293	$	2,430	$	5,109	$	185,614
	Held-to-maturity:
	Obligations of state and political subdivisions		$	2,280	$	140	$	-	$	2,420
			December 31, 2012
					Gross		Gross
					Unrealized		Unrealized
			Amortized		Holding		Holding
	(in thousands)		Cost		Gains		Losses		Fair Value
	Available-for-sale
	Obligations of U.S. government agencies		$	1,821	$	70	$	-	$	1,891
	Obligations of state and political subdivisions			95,312		8,922		733		103,501
	Government sponsored agency:
	Collateralized mortgage obligations			8,805		311		13		9,103
	Residential mortgage-backed securities			67,765		1,920		229		69,456
	Corporate debt securities			500		-		90		410
	Equity securities			1,010		-		10		1,000
	Total available-for-sale securities		$	175,213	$	11,223	$	1,075	$	185,361
	Held-to-maturity
	Obligations of state and political subdivisions		$	2,198	$	285	$	-	$	2,483
	At September 30, 2013 and December 31, 2012, securities with a carrying amount of $176.7 million and $185.0 million, respectively, were pledged as collateral to secure public deposits and for other purposes.
	The following table presents the amortized cost and fair value of the Company’s debt securities at September 30, 2013 using contractual maturities.  Expected maturities will differ from contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Because collateralized mortgage obligations and residential mortgage-backed securities are not due at a single maturity date, they are not included in the maturity categories in the following maturity summary.
			Available-for-Sale				Held-to-Maturity
			Amortized		Fair		Amortized		Fair
	(in thousands)		Cost		Value		Cost		Value
	Amounts maturing in:
	One year or less		$	-	$	-	$	-	$	-
	One year through five years			740		710		-		-
	After five years through ten years			22,018		22,530		2,280		2,420
	After ten years			48,979		48,382		-		-
	Collateralized mortgage obligations			21,356		20,677		-		-
	Residential mortgage-backed securities			94,190		92,354		-		-
	Total		$	187,283	$	184,653	$	2,280	$	2,420
	Gross proceeds from the sale of securities for the three and nine months ended September 30, 2013 were $10.9 million and $51.1 million, respectively. Gross realized gains were $0.8 million and $3.0 million for the three months and nine months ended September 30, 2013, respectively. There were no gross realized losses for the three months ended September 30, 2013 Gross realized losses were $408 thousand nine months ended September 30, 2013. For the three months and nine months ended September 30, 2012, securities with an aggregate carrying value of $6.5 million were sold for an aggregate sales price of $6.6 million resulting in gross realized gains of $84 thousand. The settlement of these sales happened subsequent to September 30, 2012. There were no securities sold at a realized loss during the three months and nine months ended September 30, 2012. The Company recognized gains of $4 thousand and $12 thousand on securities called during the three months and nine months ended September 30, 2012, respectively.
	The following tables indicate the length of time that individual securities held-to-maturity and available-for-sale have been in a continuous unrealized loss position at September 30, 2013 and December 31, 2012:
			September 30, 2013
			Less than 12 Months				12 Months or Greater				Total
					Gross				Gross				Gross
			Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	(in thousands)		Value		Losses		Value		Losses		Value		Losses
	Obligations of state and political subdivisions		$	16,257	$	1,916	$	2,428	$	410	$	18,685	$	2,326
	Government-sponsored agency:
	Collateralized mortgage obligations			17,110		710		910		10		18,020		720
	Residential mortgage-backed securities			89,027		1,919		-		-		89,027		1,919
	Corporate debt securities			-		-		405		95		405		95
	Equity securities			-		-		951		49		951		49
	Total		$	122,394	$	4,545	$	4,694	$	564	$	127,088	$	5,109
			December 31, 2012
			Less than 12 Months				12 Months or Greater				Total
					Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
(in thousands)		Value		Losses		Value		Losses		Value		Losses
Obligations of state and political subdivisions		$	8,649	$	398	$	4,139	$	335	$	12,788	$	733
Government-sponsored agency:
Collateralized mortgage obligations			1,485		13		2		-		1,487		13
Residential mortgage-backed securities			12,899		229		-		-		12,899		229
Corporate debt securities			-		-		410		90		410		90
Equity securities			990		10		-		-		990		10
Total		$	24,023	$	650	$	4,551	$	425	$	28,574	$	1,075
The majority of the Company’s securities portfolio is comprised of obligations of states and political subdivisions, residential mortgage-backed securities, including home equity conversion mortgages, and collateralized mortgage obligations. The Company held a total of 78 securities that were in an unrealized loss position at September 30, 2013, with 11 of those securities in unrealized loss position for more than 12 months. Substantially all of the unrealized losses relate to debt securities.
In determining whether unrealized losses are other-than-temporary, management considers the following factors:
	⋅	The causes of the decline in fair value, such as credit deterioration, interest rate fluctuations, or market volatility;
	⋅	The severity and duration of the decline;
	⋅	The Company’s ability and intent to hold the security to allow for recovery in fair value, as well as the likelihood of such a recovery in the near term;
	⋅	The Company’s intent to sell the security, or if it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss.
Management performed a review of the fair values of all securities as of September 30, 2013 and determined that movements in the fair values of the securities were consistent with the change in market interest rates. As a result of its review and considering the attributes of these debt securities, the Company concluded that other than temporary impairment (“OTTI”) did not exist at September 30, 2013. To date, the Company has received all scheduled principal and interest payments and expects to fully collect all future contractual principal and interest payments. The Company does not intend to sell the securities nor is it more likely than not that the Company will be required to sell the securities.
Management does not believe that any individual unrealized loss at September 30, 2013 represents OTTI. The unrealized losses reported for residential mortgage-backed securities and collateralized mortgage obligations relate entirely to securities issued by GNMA, FHLMC and FNMA that are currently rated AAA by Moody’s Investor Services or Aaa by Standard & Poor’s and are guaranteed by the U.S. government. The obligations of state and political subdivisions are comprised entirely of general-purpose debt obligations. The majority of these obligations have a credit quality rating of A or better and are secured by the unlimited taxing power of the issuer. In addition, the Company utilized a third party to perform an independent credit analysis of its state and political subdivision bonds that were either non-rated or had a rating below A. There were two obligations of state and political subdivisions that were either non-rated or had a rating below A. However, according to the independent credit analysis these two bonds were considered investment grade.
OTTI of Pooled Trust Preferred Collateralized Debt Obligations (“PreTSLs”):
At September 30, 2012, the Company’s PreTSLs were comprised of four securities that were collateralized by debt issued by bank holding companies and insurance companies with an aggregate amortized cost of $10.3 million and an estimated fair value of $6.1 million. The Company divested its entire holdings of PreTSLs during 2012 and held no such securities at September 30, 2013.
The following table provides a cumulative rollforward of credit losses recognized:
Rollforward of Cumulative Credit Losses
(in thousands)		2013		2012
Beginning balance January 1		$	-	$	8,619
Credit losses on debt securities for which OTTI was not previously recognized			-		-
Additional credit losses on debt securities for which OTTI was previously recognized			-		96
Less: sale of PreTSLs for which OTTI was previously recognized			-		-
Ending balance, September 30		$	-	$	8,715
Investments in FHLB of Pittsburgh and FRB stock, which have limited marketability, are carried at cost and totaled $3.9 million and $7.3 million at September 30, 2013 and December 31, 2012, respectively. FRB stock of $1.3 million is included in Other Assets at September 30, 2013 and December 31, 2012. Management noted no indicators of impairment for the FHLB of Pittsburgh and FRB of Philadelphia at September 30, 2013.

Fair_Value_Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2013
Fair Value Measurements	'
Fair Value Measurements	'
	Note 7.   Fair Value Measurements
	In determining fair value, the Company uses various valuation approaches, including market, income and cost approaches. Accounting standards establish a hierarchy for inputs used in measuring fair value that maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that observable inputs be used when available. Observable inputs are inputs that market participants would use in pricing the asset or liability, which are developed based on market data obtained from sources independent of the Company. Unobservable inputs reflects the Company’s assumptions about the assumptions the market participants would use in pricing an asset or liability, which are developed based on the best information available in the circumstances.
	The fair value hierarchy gives the highest priority to unadjusted quoted market prices in active markets for identical assets or liabilities (Level 1 measurement) and the lowest priority to unobservable inputs (Level 3 measurement). The fair value hierarchy is broken down into three levels based on the reliability of inputs as follows:
	·      Level 1 valuation is based upon unadjusted quoted market prices for identical instruments traded in active markets.
	·      Level 2 valuation is based upon quoted market prices for similar instruments traded in active markets, quoted market prices for identical or similar instruments traded in markets that are not active and model-based valuation techniques for which all significant assumptions are observable in the market or can be corroborated by market data.
	·      Level 3 valuation is derived from other valuation methodologies including discounted cash flow models and similar techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in determining fair value.
	An asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
	A description of the valuation methodologies used for assets recorded at fair value, and for estimating fair value of financial instruments not recorded at fair value, is set forth below.
	Cash, Short-term Investments, Accrued Interest Receivable and Accrued Interest Payable
	For these short-term instruments, the carrying amount is a reasonable estimate of fair value.
	Securities
	The estimated fair values of available-for-sale equity securities are determined by obtaining quoted prices on nationally recognized exchanges (Level 1 inputs). The estimated fair values for the Company’s investments in obligations of U.S. government agencies, obligations of state and political subdivisions, government sponsored agency collateralized mortgage obligations, government sponsored agency residential mortgage backed securities, and corporate debt securities are obtained by the Company from a nationally-recognized pricing service. This pricing service develops estimated fair values by analyzing like securities and applying available market information through processes such as benchmark curves, benchmarking of like securities, sector groupings and matrix pricing (Level 2 inputs), to prepare valuations. Matrix pricing is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted securities. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things and are based on market data obtained from sources independent from the Company. The Level 2 investments in the Company’s portfolio are priced using those inputs that, based on the analysis prepared by the pricing service, reflect the assumptions that market participants would use to price the assets. The Company has determined that the Level 2 designation is appropriate for these securities because, as with most fixed-income securities, those in the Company’s portfolio are not exchange-traded, and such non-exchange-traded fixed income securities are typically priced by correlation to observed market data. The Company has reviewed the pricing service’s methodology to confirm its understanding that such methodology results in a valuation based on quoted market prices for similar instruments traded in active markets, quoted markets for identical or similar instruments traded in markets that are not active and model-based valuation techniques for which the significant assumptions can be corroborated by market data as appropriate to a Level 2 designation.
	For those securities for which the inputs used by an independent pricing service were derived from unobservable market information, the Company evaluated the appropriateness and quality of each price. The Company reviewed the volume and level of activity for all classes of securities and attempted to identify transactions which may not be orderly or reflective of a significant level of activity and volume. For securities meeting these criteria, the quoted prices received from either market participants or an independent pricing service may be adjusted, as necessary, to estimate fair value (fair values based on Level 3 inputs). If applicable, the adjustment to fair value was derived based on present value cash flow model projections prepared by the Company or obtained from third party providers utilizing assumptions similar to those incorporated by market participants. The estimated fair value of the PreTSLs and the private label collateralized mortgage obligations that were previously held in the Company’s securities portfolio during 2012 were obtained from third-party service providers that prepared the valuation using a discounted cash flow approach with inputs derived from unobservable market information (Level 3 inputs).
	At September 30, 2013, the Company owned one security issued by a state and political subdivision with an amortized cost of $740 thousand and fair value of $710 thousand that is valued using Level 3 inputs. The market for this security has not been active since the credit rating of the issuer was downgraded by several nationally recognized credit rating agencies in 2010. The Company obtained a bid indication from a third-party municipal trading desk to determine the fair value of this security at September 30, 2013.
	Loans
	Except for collateral dependent impaired loans, fair values are estimated by discounting the projected future cash flows using market discount rates that reflect the credit, liquidity, and interest rate risk inherent in the loan. Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal. The estimated fair value of collateral dependent impaired loans is based on the appraised loan value or other reasonable offers less estimated costs to sell. The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for credit losses is established. The specific reserves for collateral dependent impaired loans are based on the fair value of the collateral less estimated costs to sell. The fair value of the collateral is based on appraisals. In some cases, adjustments are made to the appraised values due to various factors including age of the appraisal, age of comparable collateral included in the appraisal, and known changes in the market and in the collateral. When significant adjustments are based on unobservable inputs, the resulting fair value measurement is categorized as a Level 3 measurement.
	Loans Held For Sale
	Fair values of mortgage loans held for sale are based on commitments on hand from investors or prevailing market prices.
	Mortgage Servicing Rights
	The fair value of mortgage servicing rights is estimated using a discounted cash flow model that applies current estimated prepayments derived from the mortgage-backed securities market and utilizes a current market discount rate for observable credit spreads. The Bank does not record mortgage servicing rights at fair value on a recurring basis.
	Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Stock
	Ownership in equity securities of FHLB of Pittsburgh and the FRB is restricted and there is no established market for their resale. The carrying amount is a reasonable estimate of fair value.
	Deposits
	The fair value of demand deposits, savings deposits, and certain money market deposits is the amount payable on demand at the reporting date.  The fair value of fixed-maturity certificates of deposit is estimated based on discounted cash flows using FHLB advance rates for currently-offered, similar-remaining maturities.
	Borrowed funds
	The Bank uses discounted cash flows based on rates currently available for debt with similar terms and remaining maturities, as well as the Company’s credit worthiness, to estimate fair value.
	Commitments to extend credit and standby letters of credit
	The fair value of commitments to extend credit and standby letters of credit are estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of off-balance- sheet commitments is insignificant and therefore not included in the table for non-recurring assets and liabilities.
	Assets measured at fair value on a recurring basis
	The following tables detail the financial asset amounts that are carried at fair value and measured at fair value on a recurring basis at September 30, 2013 and December 31, 2012 and indicate the fair value hierarchy of the valuation techniques utilized by the Company to determine the fair value:
					Fair Value Measurements at September 30, 2013
					Quoted prices			Significant			Significant
					in active markets			observable			unobservable
					for identical assets			inputs			inputs
	(in thousands)	Fair value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	Government-sponsored agency:
	Collateralized mortgage obligations	$	20,677		$	-		$	20,677		$	-
	Residential mortgage-backed securities		92,354			-			92,354			-
	Obligations of state and political subdivisions		71,217			-			70,507			710
	Corporate debt securities		405			-			405			-
	Equity securities		961			961			-			-
	Total securities available-for-sale	$	185,614		$	961		$	183,943		$	710
				Fair Value Measurements at December 31, 2012
					Quoted prices			Significant			Significant
					in active markets			observable			unobservable
					for identical assets			inputs			inputs
	(in thousands)	Fair value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	Obligations of U.S. government agencies	$	1,891		$	-		$	1,891		$	-
	Government-sponsored agency:
	Collateralized mortgage obligations		9,103			-			9,103			-
	Residential mortgage-backed securities		69,456			-			69,456			-
	Obligations of state and political subdivisions		103,501			-			101,762			1,739
	Corporate debt securities		410			-			410			-
	Equity securities		1,000			1,000			-			-
	Total securities available-for-sale	$	185,361		$	1,000		$	182,622		$	1,739
	The tables below present a reconciliation and statement of operations classifications of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the nine month periods ended September 30, 2013 and 2012:
	Fair Value Measurements
	Using Significant Unobservable Inputs (Level 3)
	(in thousands)	State and
		Political
		Subdivisions
Balance at December 31, 2012	$	1,739
Amortization		-
Accretion		-
Payments received		-425
Sales		-622
Total gains or losses (realized/unrealized):
Included in earnings		2
Included in other comprehensive income		16
Balance at September 30, 2013	$	710
Fair Value Measurements
Using Significant Unobservable Inputs (Level 3)
(in thousands)	PreTSLs			State and			Private			Total
				Political			Label
				Subdivisions			CMOs
Balance at December 31, 2011	$	3,801		$	2,811		$	36,256		$	42,868
Amortization		-			-			-348			-348
Accretion		-			-			90			90
Payments received		-154			-410			-10,692			-11,256
Purchases		-			-			14,691			14,691
Sales and calls		-			-585			-6,513			-7,098
Total gains or losses (realized/unrealized):
Included in earnings		-96			1			84			-11
Included in other comprehensive income		2,565			56			-27			2,594
Balance at September 30, 2012	$	6,116		$	1,873		$	33,541		$	41,530
There were no transfers between levels within the fair value hierarchy during the nine months ended September 30, 2013.
Assets measured at fair value on a non-recurring basis
Assets newly measured at fair value on a non-recurring basis are summarized below:
	Fair Value Measurements at September 30, 2013
(in thousands)	Fair Value (1)			Quoted Prices in			Significant			Significant Other
				Active Markets for			Other			Unobservable
				Identical Assets			Observable			Inputs
				(Level 1)			Inputs			(Level 3)
							(Level 2)
Collateral-dependent impaired loans	$	6,046		$	-		$	-		$	6,046
Other real estate owned		2,376			-			-			2,376
	Fair Value Measurements at December 31, 2012
(in thousands)	Fair Value (1)			Quoted Prices in			Significant			Significant
				Active Markets for			Other			Other
				Identical Assets			Observable			Unobservable
				(Level 1)			Inputs			Inputs
							(Level 2)			(Level 3)
Collateral-dependent impaired loans	$	7,816		$	-		$	-		$	7,816
Other real estate owned		2,455			-			-			2,455
(1)   Represents carrying value and related write-downs for which adjustments are based on appraised value. Management makes adjustments to the appraised values as necessary to consider declines in real estate values since the time of the appraisal. Such adjustments are based on management’s knowledge of the local real estate markets.
Collateral dependent impaired loans are classified as Level 3 assets and the estimated fair value of the collateral is based on the appraised loan value or other reasonable offers less estimated costs to sell. When the measure of the impaired loan is less than the recorded investment in the loan, the impairment is recorded through a valuation allowance or is charged-off. The amount shown is the balance of impaired loans, net of any charge-offs and the related allowance for loan losses.
Other real estate owned properties are recorded at the fair value less the estimated cost to sell at the date of foreclosure. Subsequent to foreclosure, the balance might be subject to additional write-downs. It is the Company’s policy to obtain certified external appraisals of real estate collateral underlying impaired loans, including OREO, and it estimates fair value using those appraisals. Other valuation sources may be used, including broker price opinions, letters of intent and executed sale agreements. The amounts in the table above represent the value of OREO properties that were subject to additional write-downs subsequent to foreclosure.
The Company discloses fair value information about financial instruments, whether or not recognized in the Statement of Financial Condition, for which it is practicable to estimate that value. The following estimated fair value amounts have been determined by the Company using available market information and appropriate valuation methodologies. However, management judgment is required to interpret data and develop fair value estimates. Accordingly, the estimates below are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.
The estimated fair values of the Company’s financial instruments are as follows:
	Fair Value		September 30, 2013						December 31, 2012
(in thousands)	Measurement		Carrying Value			Fair Value			Carrying Value			Fair Value
Financial assets
Cash and short term investments	Level 1		$	86,386		$	86,386		$	115,271		$	115,271
Securities available-for-sale	See previous table			185,614			185,614			185,361			185,361
Securities held-to-maturity	Level 2			2,280			2,420			2,198			2,483
FHLB and FRB Stock	Level 2			3,900			3,900			7,308			7,308
Loans, held for sale	Level 3			884			884			1,615			1,615
Loans, net	Level 2			638,872			644,729			579,396			592,504
Accrued interest receivable	Level 2			2,320			2,320			2,199			2,199
Mortgage servicing rights	Level 3			560			972			675			884
Financial liabilities
Deposits	Level 2			853,810			856,034			854,613			858,970
Borrowed funds	Level 2			72,523			75,790			53,903			59,021
Accrued interest payable	Level 2			8,234			8,234			6,427			6,427

Earnings_per_Share

Earnings per Share	9 Months Ended
	Sep. 30, 2013
Earnings Per Share	'
Earnings per Share	'
	Note 8.  Earnings per Share
	For the Company, the numerator of both the basic and diluted earnings per common share is net income available to common shareholders (which is equal to net income less dividends on preferred stock and related discount accretion). The weighted average number of common shares outstanding used in the denominator for basic earnings per common share is increased to determine the denominator used for diluted earnings per common share by the effect of potentially dilutive common share equivalents utilizing the treasury stock method. For the Company, common share equivalents are outstanding stock options to purchase the Company’s common shares.
	The following table shows the calculation of both basic and diluted earnings per common share and the number of stock options excluded from common share equivalents for the three and nine months ended September 30, 2013 and 2012:
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
	(in thousands, except share data)	2013		2012		2013		2012
	Net income (loss)	$	1,887	$	-6,521	$	4,338	$	-8,653
	Basic weighted-average number of common shares outstanding		16,457,169		16,442,119		16,457,169		16,442,119
	Plus: common share equivalents		-		-		-		-
	Diluted weighted-average number of common shares outstanding		16,457,169		16,442,119		16,457,169		16,442,119
	Earnings per common share:
	Basic	$	0.11	$	-0.4	$	0.26	$	-0.53
	Diluted	$	0.11	$	-0.4	$	0.26	$	-0.53
	Number of stock options excluded from common share equivalents		114,348		114,348		144,470		144,470
	Common share equivalents, in the table above, exclude stock options with exercise prices that exceed the average market price of the Company’s common shares during the periods presented. Inclusion of these stock options would be anti-dilutive to the diluted earnings per common share calculation.

Other_Comprehensive_Income

Other Comprehensive Income	9 Months Ended
	Sep. 30, 2013
Other Comprehensive Income	'
Other Comprehensive Income	'
	Note 9. Other Comprehensive Income
	The following tables summarize the reclassifications out of accumulated other comprehensive income (loss):
		Three Months Ended September 30, 2013				Nine Months Ended September 30, 2013
		Amount				Amount
		Reclassified from				Reclassified from
		Accumulated				Accumulated
		Other		Affected Line Item		Other			Affected Line Item
		Comprehensive		in the Consolidated		Comprehensive			in the Consolidated
	(in thousands)	Income		Statements of Operations		Income			Statements of Operations
	Available-for-sale securities:
	Reclassification adjustment for net gains reclassified into net income	$	-817	Net gain on sale of securities		$	-2,558		Net gain on sale of securities
	Taxes		278	Income taxes			870		Income taxes
	Net of tax amount	$	-539			$	-1,688
		Three Months Ended September 30, 2012				Nine Months Ended September 30, 2012
		Amount				Amount
		Reclassified from				Reclassified from
		Accumulated				Accumulated
		Other		Affected Line Item		Other			Affected Line Item
		Comprehensive		in the Consolidated		Comprehensive			in the Consolidated
	(in thousands)	Income		Statements of Operations		Income			Statements of Operations
	Available-for-sale securities:
	Reclassification adjustment for net gains reclassified into net income	$	-88	Net gain on sale of securities		$	-96		Net gain on sale of securities
	Reclassification adjustment for non-credit-related gains reclassified into net income		2,345	OTTI			2,565		OTTI
	Taxes		-767	Income taxes			-840		Income taxes
	Net of tax amount	$	1,490			$	1,629
	The following table summarizes the changes in accumulated other comprehensive (loss) income, net of tax:
		Three Months Ended					Nine Months Ended
		September 30,					September 30,
	(in thousands)	2013		2012			2013			2012
	Beginning balance	$	-1,142	$	-449		$	6,698		$	-3,967
	Other comprehensive (loss) income before reclassifications		-87		4,680			-6,778			8,140
	Amounts reclassified from accumulated other comprehensive (loss) income		-539		-121			-1,688			-63
	Net other comprehensive (loss) income during the period		-626		4,559			-8,466			8,077
	Ending balance	$	-1,768	$	4,110		$	-1,768		$	4,110

Related_Party_Transactions

Related Party Transactions	9 Months Ended
	Sep. 30, 2013
Related Party Transactions	'
Related Party Transactions	'
	Note 10. Related Party Transactions
	The Company and the Bank have engaged in and intend to continue to engage in banking and financial transactions in the conduct of its business with directors and the executive officers of the Company and the Bank and their related parties.
	The Bank has granted loans, letters of credit and lines of credit to directors, executive officers and their related parties. The following table summarizes the changes in the total amounts of such outstanding loans, advances under lines of credit as well as repayments during the nine months ended September 30, 2013 and 2012:
		September 30,
	(in thousands)	2013		2012
	Outstanding at beginning of the year	$	33,296	$	87,442
	New loans and advances		38,669		52,242
	Repayments / reductions		-38,750		-89,369
	Other (1)		-256		-
	Outstanding at end of period	$	32,959	$	50,315
	(1) Represents loans to related parties that ceased being related parties during the period.
	At September 30, 2013, loans to directors, executive officers and their related parties which were not performing in accordance with the terms of the loan agreements totaled $184 thousand.
	Included in related party loans is $8.3 million outstanding under a commercial line of credit (“line”) to a company owned by a director. The Company also sold a participation interest in this line to the same director in the amount of $5.2 million, of which $3.3 million is outstanding. The Bank receives a 25 basis point annual servicing fee from this director on the participation balance.
	Deposits from directors, executive officers and their related parties held by the Bank at September 30, 2013 and December 31, 2012 amounted to $69.0 million and $66.7 million, respectively. Interest paid on the deposits amounted to $55 thousand and $111 thousand for the nine months ended September 30, 2013 and 2012, respectively.
	In the course of its operations, the Company acquires goods and services from and transacts business with various companies affiliated with related parties. The Company believes these transactions were made on the same terms as those for comparable transactions with unrelated parties. The Company recorded payments for these services of $2.4 million and $1.3 million for the nine months ended September 30, 2013 and 2012, respectively.
	Subordinated notes held by officers and directors and/or their related parties totaled $10.0 million at both September 30, 2013 and December 31, 2012. There was no interest paid to directors on these notes for the nine months ended September 30, 2013 and 2012. Interest accrued and unpaid on loans to directors totaled $2.8 million at September 30, 2013.

Stock_Compensation_Plans

Stock Compensation Plans	9 Months Ended
	Sep. 30, 2013
Stock Compensation Plans	'
Stock Compensation Plans	'
	Note 11. Stock Compensation Plans
	On August 30, 2000, the Company’s Board adopted an Employee Stock Incentive Plan (“Stock Incentive Plan”) in which options may be granted to key officers and other employees of the Company.  The aggregate number of shares which may be issued upon exercise of the options under the plan cannot exceed 1,100,000 shares.  Options and rights granted under the plan become exercisable six months after the date the options are awarded and expire ten years after the award date. Upon exercise, the shares are issued from the Company’s authorized but unissued stock. The Stock Incentive Plan expired on August 30, 2010, therefore no further grants will be made under the plan.
	The Board also adopted on August 30, 2000, the Independent Directors Stock Option Plan (the “Directors’ Stock Plan”) for directors who are not officers or employees of the Company.  The aggregate number of shares issuable under the Directors’ Stock Plan cannot exceed 550,000 shares and are exercisable six months from the date the awards are granted and expire three years after the award date. Upon exercise, the shares are issued from the Company’s authorized but unissued shares. The Directors’ Stock Plan expired on August 30, 2010, therefore no further grants will be made under the plan.
	On November 28, 2012, the Board of Directors adopted the 2012 Employee Stock Grant Plan (the “Employee Stock Plan”) under which 16,000 shares of common stock were authorized to be granted to employees. In December, 2012, the Company granted 15,050 shares of the Company’s common stock to employees under this plan.
	There was no compensation expense related to options or stock under the Employee Stock Incentive Plan, the Directors’ Stock Plan, and the Employee Stock Plan for the three months and nine months ended September 30, 2013 and 2012.
	In accordance with current accounting guidance, all options are charged against income at their fair value.  Awards granted under the plans vest immediately and the entire expense of the award is recognized in the year of grant.
	A summary of the status of the Company’s stock option plans is presented below:
		Nine Months Ended September 30,
		2013				2012
			Weighted				Weighted
			Average				Average
			Exerice				Exerice
		Shares	Price			Shares	Price
	Outstanding at the beginning of the year	129,170	$	14.26		188,193	$	12.62
	Granted	-		-		-		-
	Exercised	-		-		-		-
	Forfeited	-14,822		13.81		-43,723		7.17
	Outstanding at period end	114,348	$	14.32		144,470	$	14.27
	Options exercisable at period end	114,348	$	14.32		144,470	$	14.27
	Weighted average fair value of options granted during the year		$	-			$	-
	Stock-based compensation expense		$	-			$	-
	There were no options exercised during these periods. As of September 30, 2013, there was no unrecognized compensation expense.
	Information pertaining to options outstanding at September 30, 2013 is as follows:
		Options Outstanding					Options Excercisable
			Weighted
			Average		Weighted				Weighted
			Remaining		Average				Average
		Number	Contractual		Exercise		Number		Exercise
	Range of Exercise Price	Outstanding	Life		Price		Exercisable		Price
	$10.01 - $23.13	114,348	2.74		$	14.32	114,348		$	14.32
	At September 30, 2013, there was no aggregate intrinsic value of exercisable options.

Contingencies

Contingencies	9 Months Ended
	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Contingencies	'
	Note 12. Contingencies
	In addition to the litigation disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2012, the following two class actions were filed against the Company and the Bank during the third quarter of 2013:
	⋅      On August 13, 2013, Steven Antonik, individually, as Administrator of the Estate of Linda Kluska, William R. Howells, and Louise A. Howells, on behalf of themselves and others similarly situated, filed a consumer protection class action against the Company and Bank in the Lackawanna County Court of Common Pleas, seeking equitable, injunction and monetary relief to address an alleged pattern and practice of wrong doing by the Bank relating to the repossession and sale of the Plaintiffs’ and class members’ financed motor vehicles.  This matter is in its early discovery stage.  At this time the Company cannot reasonably determine the outcome or potential range of loss.
	⋅      On September 17, 2013, Charles Saxe, III individually and on behalf of all others similarity situated filed a consumer class action against the Bank in the Lackawanna County Court of Common Pleas alleging violations of the Pennsylvania Uniform Commercial Code in connection with the repossession and resale of financed vehicles.  This matter is in its early discovery stage.  At this time the Company cannot reasonably determine the outcome or potential range of loss.

Regulatory_Matters_Tables

Regulatory Matters (Tables)	9 Months Ended
	Sep. 30, 2013
Regulatory Matters	'
Schedule of the entity's actual capital position and ratios	'
	The Company’s and the Bank’s actual capital positions and ratios at September 30, 2013 and December 31, 2012 are presented in the following table:
	Capital Analysis
		September 30,		December 31,
	(in thousands)	2013		2012
	Company
	Tier I capital:
	Total tier I capital	$	44,025	$	39,587
	Tier II capital:
	Subordinated notes		22,015		19,796
	Allowable portion of allowance for loan losses		8,528		8,452
	Total tier II capital		30,543		28,248
	Total risk-based capital		74,568		67,835
	Total risk-weighted assets	$	672,645	$	665,323
	Bank
	Tier I capital:
	Total tier I capital	$	76,307	$	69,963
	Tier II capital:
	Allowable portion of allowance for loan losses		8,523		8,447
	Total tier II capital		8,523		8,447
	Total risk-based capital		84,830		78,410
	Total risk-weighted assets	$	672,231	$	664,914
Schedule of risk-based capital and selected other capital ratios	'
													To Be Well
													Capitalized
													Under Prompt
							For Capital						Corrective
		Actual					Adequacy Purposes						Action Provision
	(dollars in thousands)	Amount		Ratio			Amount			Ratio				Amount		Ratio
	30-Sep-13
	Total capital
	(to risk-weighted assets)
	Company	$	74,568	11.09	%		$	>53,812		8	%			N/A		N/A
	Bank	$	84,830	12.62	%		$	>53,779		8	%		$	>67,223		10	%
	Tier I capital
	(to risk-weighted assets)
	Company	$	44,025	6.55	%		$	>26,906		4	%			N/A		N/A
	Bank	$	76,307	11.35	%		$	>26,889		4	%		$	>40,334		6	%
	Tier I capital
	(to average assets)
	Company	$	44,025	4.61	%		$	>38,194		4	%			N/A		N/A
	Bank	$	76,307	7.99	%		$	>38,179		4	%		$	>47,724		5	%
												To Be Well
												Capitalized
												Under Prompt
						For Capital						Corrective
		Actual				Adequacy Purposes						Action Provision
	(dollars in thousands)	Amount		Ratio		Amount			Ratio			Amount			Ratio
	31-Dec-12
	Total capital
	(to risk-weighted assets)
	Company	$	67,835	10.2	%	$	>53,226		>8.00	%			N/A		N/A
	Bank	$	78,410	11.79	%	$	>53,193		>8.00	%		$	>66,491		>10.00	%
	Tier I capital
	(to risk-weighted assets)
	Company	$	39,587	5.95	%	$	>26,613		>4.00	%			N/A		N/A
	Bank	$	69,963	10.52	%	$	>26,597		>4.00	%		$	>39,895		>6.00	%
	Tier I capital
	(to average assets)
	Company	$	39,587	4.07	%	$	>38,879		>4.00	%			N/A		N/A
	Bank	$	69,963	7.2	%	$	>38,865		>4.00	%		$	>48,581		>5.00	%

Loans_Tables

Loans (Tables)	9 Months Ended
	Sep. 30, 2013
Credit Quality Indicators	'
Summary of loans receivable, net, by category	'
	Loans receivable, net, consists of the following at September 30, 2013 and December 31, 2012:
		September 30,			December 31,
	(in thousands)	2013			2012
	Residential real estate	$	115,645		$	90,228
	Commercial real estate		238,492			221,591
	Construction, land acquisition, and development		29,290			32,502
	Commercial and industrial		114,096			109,693
	Consumer		117,552			109,783
	State and political subdivisions		41,021			33,978
	Total loans, gross		656,096			597,775
	Unearned discount		-159			-103
	Net deferred loan fees and costs		553			260
	Allowance for loan and lease losses		-17,618			-18,536
	Loans, net	$	638,872		$	579,396
Schedule of activity in the ALLL, by loan category	'
	The following tables present the activity in the ALLL by loan category for the three and nine months ended September 30, 2013 and 2012:
		Real Estate
	(in thousands)	Residential			Commercial			Construction, Land			Commercial and			Consumer			State and Political			Total
		Real Estate			Real Estate			Acquisition and			Industrial						Subdivisions
								Development
	Three months ended September 30, 2013:
	Allowance for loan losses:
	Beginning balance, July 1, 2013	$	2,145		$	7,823		$	2,390		$	3,487		$	1,760		$	983		$	18,588
	Charge-offs		-98			-			-65			-116			-74			-			-353
	Recoveries		9			362			5			71			95			-			542
	Provisions		215			-869			-141			-225			105			-244			-1,159
	Ending balance, September 30, 2013	$	2,271		$	7,316		$	2,189		$	3,217		$	1,886		$	739		$	17,618
	Three months ended September 30, 2012:
	Allowance for loan losses:
	Beginning balance, July 1, 2012	$	2,005		$	9,792		$	1,665		$	4,058		$	1,624		$	456		$	19,600
	Charge-offs		-92			-144			-			-3,185			-198			-			-3,619
	Recoveries		14			627			5			28			80			-			754
	Provisions		22			-708			62			4,294			126			-4			3,792
	Ending balance, September 30, 2012	$	1,949		$	9,567		$	1,732		$	5,195		$	1,632		$	452		$	20,527
	Nine months ended September 30, 2013:
	Allowance for loan losses:
	Beginning balance, January 1, 2013	$	1,764		$	8,062		$	2,162		$	4,167		$	1,708		$	673		$	18,536
	Charge-offs		-445			-48			-175			-244			-433			-			-1,345
	Recoveries		190			471			124			1,656			371			-			2,812
	Provisions		762			-1,169			78			-2,362			240			66			-2,385
	Ending balance, Setpember 30, 2013	$	2,271		$	7,316		$	2,189		$	3,217		$	1,886		$	739		$	17,618
	Nine months ended September 30, 2012
	Allowance for loan losses:
	Beginning balance, January 1, 2012	$	1,823		$	11,151		$	2,590		$	3,292		$	1,526		$	452		$	20,834
	Charge-offs		-535			-1,040			-			-3,335			-447			-			-5,357
	Recoveries		48			957			260			210			199			-			1,674
	Provisions		613			-1,501			-1,118			5,028			354			-			3,376
	Ending balance, September 30, 2012	$	1,949		$	9,567		$	1,732		$	5,195		$	1,632		$	452		$	20,527
Schedule of allocation of the allowance for loan losses and the related by loan portfolio segment disaggregated based on the impairment methodology	'
	The following tables present the allocation of the allowance for loan losses and the related loan by loan portfolio segment disaggregated based on the impairment methodology at September 30, 2013 and December 31, 2012:
		Real Estate
	(in thousands)	Residential Real			Commercial Real			Construction, Land			Commercial and			Consumer			State and Political			Total
		Estate			Estate			Acquisition and			Industrial						Subdivisions
								Development
	30-Sep-13
	Allowance for loan losses:
	Individually evaluated for impairment	$	26		$	319		$	2		$	-		$	-		$	-		$	347
	Collectively evaluated for impairment		2,245			6,997			2,187			3,217			1,886			739			17,271
	Total	$	2,271		$	7,316		$	2,189		$	3,217		$	1,886		$	739		$	17,618
	Loans receivable:
	Individually evaluated for impairment	$	2,056		$	9,505		$	492		$	-		$	-		$	-		$	12,053
	Collectively evaluated for impairment		113,589			228,987			28,798			114,096			117,552			41,021			644,043
	Total	$	115,645		$	238,492		$	29,290		$	114,096		$	117,552		$	41,021		$	656,096
	31-Dec-12
	Allowance for loan losses:
	Individually evaluated for impairment	$	40		$	268		$	2		$	-		$	-		$	-		$	310
	Collectively evaluated for impairment		1,724			7,794			2,160			4,167			1,708			673			18,226
	Total	$	1,764		$	8,062		$	2,162		$	4,167		$	1,708		$	673		$	18,536
	Loans receivable:
	Individually evaluated for impairment	$	2,773		$	11,459		$	993		$	-		$	-		$	-		$	15,225
	Collectively evaluated for impairment		87,455			210,132			31,509			109,693			109,783			33,978			582,550
	Total	$	90,228		$	221,591		$	32,502		$	109,693		$	109,783		$	33,978		$	597,775
Schedule of recorded investment in loans receivable by class of loan and credit quality indicator	'
	The following tables present the recorded investment in loans receivable by the aforementioned class of loan and credit quality indicator at September 30, 2013 and December 31, 2012:
	Commercial Credit Quality Indicators
	September 30, 2013
		Real Estate
	(in thousands)	Residential Real			Commercial Real			Construction, Land			Commercial and			Consumer			State and Political			Total
		Estate			Estate			Acquisition and			Industrial						Subdivisions
								Development
	Internal risk rating
	Pass	$	19,321		$	207,213		$	20,935		$	102,005		$	2,612		$	40,264		$	392,350
	Special mention		1,187			13,843			-			2,310			-			-			17,340
	Substandard		1,264			17,436			6,356			4,198			147			757			30,158
	Doubtful		-			-			-			-			-			-			-
	Loss		-			-			-			-			-			-			-
	Total	$	21,772		$	238,492		$	27,291		$	108,513		$	2,759		$	41,021		$	439,848
	Commercial Credit Quality Indicators
	December 31, 2012
		Real Estate
	(in thousands)	Residential Real			Commercial Real				Construction, Land			Commercial and			Consumer			State and Political			Total
		Estate			Estate				Acquisition and			Industrial						Subdivisions
									Development
	Internal risk rating
	Pass	$	17,138		$	189,903			$	23,052		$	93,484		$	3,324		$	28,204		$	355,105
	Special mention		564			8,587				57			7,437			-			849			17,494
	Substandard		2,309			23,101				7,395			3,395			143			4,925			41,268
	Doubtful		-			-				-			-			-			-			-
	Loss		-			-				-			-			-			-			-
	Total	$	20,011		$	221,591			$	30,504		$	104,316		$	3,467		$	33,978		$	413,867
	Credit Quality Indicators – Other Loans
	Certain residential real estate loans, consumer loans and commercial indirect auto loans are monitored on a pool basis due to their homogeneous nature. Loans that are delinquent 90 days or more are considered non-accrual. The Company utilizes accruing versus non-accruing status as the credit quality indicator for these loan pools. The following table presents the recorded investment in residential real estate loans, consumer loans and commercial indirect auto loans based on payment activity as of September 30, 2013 and December 31, 2012.
		September 30, 2013									December 31, 2012
		Accruing			Non-Accruing						Accruing			Non-Accruing
	(in thousands)	Loans			Loans			Total			Loans			Loans				Total
	Construction, land acquisition and	$	1,999		$	-		$	1,999		$	1,998		$	-		$	1,998
	development - residential
	Residential real estate		91,982			1,891			93,873			68,446			1,771			70,217
	Commercial - indirect auto		5,573			10			5,583			5,377			-			5,377
	Consumer		114,551			242			114,793			106,272			44			106,316
	Total	$	214,105		$	2,143		$	216,248		$	182,093		$	1,815		$	183,908
Schedule of details and delinquency status of past due and non-accrual loans	'
	The following tables set forth the detail, and delinquency status, of past due and non-accrual loans at September 30, 2013 and December 31, 2012:
		Performing and Non-Performing Loan Delinquency Status
		September 30, 2013
		Delinquency Status
	(in thousands)	0-29 Days Past			30-59 Days Past			60-89 Days Past			>/=160;90 Days Past			Total
		Due			Due			Due			Due
	Performing (accruing) loans
	Real estate:
	Residential real estate	$	112,433		$	407		$	291		$	-		$	113,131
	Commercial real estate		233,946			56			171			-			234,173
	Construction, land acquisition and development		29,245			-			-			-			29,245
	Total real estate		375,624			463			462			-			376,549
	Commercial and industrial		113,605			250			146			7			114,008
	Consumer		115,715			1,142			445			-			117,302
	State and political subdivisions		41,021			-			-			-			41,021
	Total performing (accruing) loans		645,965			1,855			1,053			7			648,880
	Non-accrual loans
	Real estate:
	Residential real estate		1,155			90			89			1,180			2,514
	Commercial real estate		4,319			-			-			-			4,319
	Construction, land acquisition and development		45			-			-			-			45
	Total real estate		5,519			90			89			1,180			6,878
	Commercial and industrial		56			-			29			3			88
	Consumer		20			24			32			174			250
	State and political subdivisions		-			-			-			-			-
	Total non-accrual loans		5,595			114			150			1,357			7,216
	Total loans receivable	$	651,560		$	1,969		$	1,203		$	1,364		$	656,096
		Performing and Non-Performing Loan Delinquency Status
		December 31, 2012
		Delinquency Status
	(in thousands)	0-29 Days Past			30-59 Days Past			60-89 Days Past			>/=160;90 Days Past			Total
		Due			Due			Due			Due
	Performing (accruing) loans
	Real estate:
	Residential real estate	$	86,301		$	422		$	31		$	30		$	86,784
	Commercial real estate		216,100			194			-			-			216,294
	Construction, land acquisition and development		31,899			29			-			-			31,928
	Total real estate		334,300			645			31			30			335,006
	Commercial and industrial		108,932			517			20			27			109,496
	Consumer		107,821			1,489			333			-			109,643
	State and political subdivisions		33,978			-			-			-			33,978
	Total performing (accruing) loans		585,031			2,651			384			57			588,123
	Non-accrual loans
	Real estate:
	Residential real estate		953			105			230			2,156			3,444
	Commercial real estate		250			121			4,352			574			5,297
	Construction, land acquisition and development		446			-			-			128			574
	Total real estate		1,649			226			4,582			2,858			9,315
	Commercial and industrial		61			30			11			95			197
	Consumer		2			-			2			136			140
	State and political subdivisions		-			-			-			-			-
	Total non-accrual loans		1,712			256			4,595			3,089			9,652
	Total loans receivable	$	586,743		$	2,907		$	4,979		$	3,146		$	597,775
Schedule of analysis of impaired loans, which include performing TDRs	'
	The following tables present a distribution of the recorded investment, unpaid principal balance and the related allowance for the Company’s impaired loans, which have been analyzed for impairment under ASC 310, at September 30, 2013 and December 31, 2012. Non-accrual loans, other than TDRs, with individual balances less than $100 thousand are not evaluated individually for impairment and are accordingly not included in the following tables. However, these loans are evaluated collectively for impairment as homogenous pools in the general allowance under ASC 450. Total non-accrual loans, other than TDRs, with individual balances less than $100 thousand that were evaluated under ASC 450 amounted to $1.1 million at September 30, 2013 and $1.9 million at December 31, 2012.
	Impaired Loans
		September 30, 2013
	(in thousands)	Recorded			Unpaid			Related
		Investment			Principal			Allowance
					Balance
	With no allowance recorded:
	Real estate
	Residential real estate	$	1,644		$	1,818		$	-
	Commercial real estate		4,137			4,440			-
	Construction, land acquisition and development		-			-			-
	Total real estate		5,781			6,258			-
	Commercial and industrial		-			-			-
	Consumer		-			-			-
	State and political subdivisions		-			-			-
	Total impaired loans with no allowance recorded		5,781			6,258			-
	With a related allowance recorded:
	Real estate
	Residential real estate		412			562			26
	Commercial real estate		5,368			5,368			319
	Construction, land acquisition and development		492			492			2
	Total real estate		6,272			6,422			347
	Commercial and industrial		-			-			-
	Consumer		-			-			-
	State and political subdivisions		-			-			-
	Total impaired loans with a related allowance recorded		6,272			6,422			347
	Total impaired loans
	Real estate
	Residential real estate		2,056			2,380			26
	Commercial real estate		9,505			9,808			319
	Construction, land acquisition and development		492			492			2
	Total real estate		12,053			12,680			347
	Commercial and industrial		-			-			-
	Consumer		-			-			-
	State and political subdivisions		-			-			-
	Total impaired loans	$	12,053		$	12,680		$	347
	Impaired Loans
		December 31, 2012
	(in thousands)	Recorded			Unpaid Principal			Related
		Investment			Balance			Allowance
	With no allowance recorded:
	Real estate:
	Residential real estate	$	1,275		$	1,378		$	-
	Commercial real estate		389			665			-
	Construction, land acquisition and development		709			804			-
	Total real estate		2,373			2,847			-
	Commercial and industrial		-			-			-
	Consumer		-			-			-
	State and political subdivisions		-			-			-
	Total impaired loans with no allowance recorded		2,373			2,847			-
	With a related allowance recorded:
	Real estate:
	Residential real estate		1,498			1,512			40
	Commercial real estate		11,069			11,069			268
	Construction, land acquisition and development		285			285			2
	Total real estate		12,852			12,866			310
	Commercial and industrial		-			-			-
	Consumer		-			-			-
	State and political subdivisions		-			-			-
	Total impaired loans with a related allowance recorded		12,852			12,866			310
	Total impaired loans:
	Real estate:
	Residential real estate		2,773			2,890			40
Commercial real estate		11,459			11,734			268
Construction, land acquisition and development		993			1,089			2
Total real estate		15,225			15,713			310
Commercial and industrial		-			-			-
Consumer		-			-			-
State and political subdivisions		-			-			-
Total impaired loans	$	15,225		$	15,713		$	310
Schedule of average balance and interest income recognized on impaired loans by loan portfolio class	'
	The following table presents by loan portfolio class, the average balance and interest income recognized on impaired loans for the three and nine months ended September 30, 2013 and 2012:
		Three Months Ended September 30,												Nine Months Ended September 30,
		2013						2012						2013						2012
		Average			Interest			Average			Interest			Average			Interest			Average			Interest
		Balance			Income (1)			Balance			Income (1)			Balance			Income (1)			Balance			Income (1)
	(in thousands)
	Residential real estate	$	2,061		$	2		$	4,227		$	1		$	2,204		$	6		$	4,234		$	6
	Commercial real estate		9,767			80			15,421			83			10,503			254			14,302			222
	Construction, land acquisition and development		739			6			2,361			8			894			22			2,707			29
	Total real estate		12,567			88			22,009			92			13,601			282			21,243			257
	Commercial and industrial		-			-			2,308			-			-			-			3,305			-
	Consumer		-			-			71			-			-			-			44			-
	State and political subdivisions		-			-			202			-			-			-			137			-
	Total impaired loans	$	12,567		$	88		$	24,590		$	92		$	13,601		$	282		$	24,729		$	257
	(1) Interest income represents income recognized on performing TDRs.
Schedule of pre- and post- modification recorded investment in loans modified as TDRs by portfolio segment and class of financing receivable	'
	The following tables show the pre- and post- modification recorded investment in loans modified as TDRs by portfolio segment and class of financing receivable during the three and nine months ended September 30, 2013 and 2012:
		Three Months Ended September 30, 2013								Nine Months Ended September 30, 2013
	(in thousands)	Number of		Pre-Modification			Post-Modification			Number of		Pre-Modification			Post-Modification
		Contracts		Outstanding			Outstanding			Contracts		Outstanding			Outstanding
				Recorded			Recorded					Recorded			Recorded
				Investments			Investments					Investments			Investments
	Troubled debt restructuring:
	Residential real estate	-		$	-		$	-		-		$	-		$	-
	Commercial real estate	-			-			-		2			4,561			4,561
	Construction, land acquisition and development	-			-			-		-			-			-
	Commercial and industrial	-			-			-		-			-			-
	Total new troubled debt restructuring	-		$	-		$	-		2		$	4,561		$	4,561
		Three Months Ended September 30, 2012								Nine Months Ended September 30, 2012
	(in thousands)	Number of			Pre-Modification			Post-Modification		Number of			Pre-Modification			Post-Modification
		Contracts			Outstanding			Outstanding		Contracts			Outstanding			Outstanding
					Recorded			Recorded					Recorded			Recorded
					Investments			Investments					Investments			Investments
	Troubled debt restructuring:
	Residential real estate	-		$	-		$	-		-		$	-		$	-
	Commercial real estate	2			1,996			1,996		2			1,996			1,996
	Construction, land acquisition and development	-			-			-		1			39			39
	Commercial and industrial	-			-			-		-			-			-
	Total new troubled debt restructuring	2		$	1,996		$	1,996		3		$	2,035		$	2,035
Schedule of types of modifications made	'
	The following table shows the types of modifications made during the three and nine months ended September 30, 2013 and 2012:
		Three Months Ended September 30, 2013												Nine Months Ended September 30, 2013
								Construction,												Construction,
		Residential			Commercial			Land Acquisition and						Residential			Commercial			Land Acquisition and
	(in thousands)	Real Estate			Real Estate			Development			Total			Real Estate			Real Estate			Development			Total
	Type of modification:
	Extension of term	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
	Principal forebearance		-			-			-			-			-			4,561			-			4,561
	Total TDRs	$	-		$	-		$	-		$	-		$	-		$	4,561		$	-		$	4,561
		Three Months Ended September 30, 2012												Nine Months Ended September 30, 2012
								Construction,												Construction,
		Residential			Commercial			Land Acquisition and						Residential			Commercial			Land Acquisition and
	(in thousands)	Real Estate			Real Estate			Development			Total			Real Estate			Real Estate			Development			Total
	Type of modification:
	Extension of term	$	-		$	1,996		$	-		$	1,996		$	-		$	1,996		$	39		$	2,035
	Principal forbearance		-			-			-			-			-			-			-			-
	Total TDRs	$	-		$	1,996		$	-		$	1,996		$	-		$	1,996		$	39		$	2,035
Summary of TDRs which have re-defaulted	'
	The following table summarizes TDRs which have re-defaulted (defined as past due 90 days) during the three and nine months ended September 30, 2012 that were restructured within the last twelve months prior to re-default:
		Three Months Ended September 30, 2012					Nine Months Ended September 30, 2012
		Number of Contracts		Recorded Investment			Number of Contracts		Recorded Investment
	(in thousands)
	Commercial real estate	-		$	-		-		$	-
	Construction, land acquistion and development	-			-		1			408
	Total	-		$	-		1		$	408

Other_Real_Estate_Owned_Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2013
Other Real Estate Owned	'
Schedule of components of OREO	'
	The following schedule presents a breakdown of OREO at September 30, 2013 and December 31, 2012:
		September 30,		December 31,
	(in thousands)	2013		2012
	Land/lots	$	3,844	$	2,929
	Commercial real estate		441		1,054
	Residential real estate		120		-
	Total	$	4,405	$	3,983
Schedule presenting the activity in OREO	'
	The following schedule presents the activity in OREO for the nine months ended September 30, 2013 and 2012:
		Nine Months Ended September 30,
	(in thousands)	2013		2012
	Balance, January 1,	$	3,983	$	6,958
	Loans transferred to OREO		255		1,385
	Bank premises transferred to OREO		1,819		-
	Valuation adjustments		-257		-808
	Carrying value of OREO sold		-1,395		-2,463
	Balance, September 30,	$	4,405	$	5,072
Schedule of components of net expense of OREO	'
	The following table presents the components of net expense of OREO for the nine months ended September 30, 2013 and 2012:
		Nine Months Ended
		September 30,
	(in thousands)	2013		2012
	Insurance	$	133	$	60
	Legal fees		122		55
	Maintenance		43		46
	Income from the operation of foreclosed properties		-26		-13
	Professional fees		44		178
	Real estate taxes		127		224
	Utilities		9		15
	Other		59		80
	Impairment charges		257		808
	Total	$	768	$	1,453

Securities_Tables

Securities (Tables)	9 Months Ended
	Sep. 30, 2013
Securities	'
Schedule of amortized cost, gross unrealized gains and losses, and the fair value of the company's securities	'
	The following tables present the amortized cost, gross unrealized gains and losses, and the fair value of the Company’s available-for-sale and held-to-maturity securities at September 30, 2013 and December 31, 2012:
		September 30, 2013
				Gross		Gross
				Unrealized		Unrealized
		Amortized		Holding		Holding
	(in thousands)	Cost		Gains		Losses		Fair Value
	Available-for-sale:
	Obligations of state and political subdivisions	$	71,237	$	2,306	$	2,326	$	71,217
	Government sponsored agency:
	Collateralized mortgage obligations		21,356		41		720		20,677
	Residential mortgage-backed securities		94,190		83		1,919		92,354
	Corporate debt securities		500		-		95		405
	Equity securities		1,010		-		49		961
	Total available-for-sale securities	$	188,293	$	2,430	$	5,109	$	185,614
	Held-to-maturity:
	Obligations of state and political subdivisions	$	2,280	$	140	$	-	$	2,420
		December 31, 2012
				Gross		Gross
				Unrealized		Unrealized
		Amortized		Holding		Holding
	(in thousands)	Cost		Gains		Losses		Fair Value
	Available-for-sale
	Obligations of U.S. government agencies	$	1,821	$	70	$	-	$	1,891
	Obligations of state and political subdivisions		95,312		8,922		733		103,501
	Government sponsored agency:
	Collateralized mortgage obligations		8,805		311		13		9,103
	Residential mortgage-backed securities		67,765		1,920		229		69,456
	Corporate debt securities		500		-		90		410
	Equity securities		1,010		-		10		1,000
	Total available-for-sale securities	$	175,213	$	11,223	$	1,075	$	185,361
	Held-to-maturity
	Obligations of state and political subdivisions	$	2,198	$	285	$	-	$	2,483
Schedule of fair value of debt securities using contractual maturities	'
	The following table presents the amortized cost and fair value of the Company’s debt securities at September 30, 2013 using contractual maturities.  Expected maturities will differ from contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Because collateralized mortgage obligations and residential mortgage-backed securities are not due at a single maturity date, they are not included in the maturity categories in the following maturity summary.
		Available-for-Sale				Held-to-Maturity
		Amortized		Fair		Amortized		Fair
	(in thousands)	Cost		Value		Cost		Value
	Amounts maturing in:
	One year or less	$	-	$	-	$	-	$	-
	One year through five years		740		710		-		-
	After five years through ten years		22,018		22,530		2,280		2,420
	After ten years		48,979		48,382		-		-
	Collateralized mortgage obligations		21,356		20,677		-		-
	Residential mortgage-backed securities		94,190		92,354		-		-
	Total	$	187,283	$	184,653	$	2,280	$	2,420
Schedule of length of time that individual securities held-to-maturity and available-for-sale have been in a continuous unrealized loss position	'
	The following tables indicate the length of time that individual securities held-to-maturity and available-for-sale have been in a continuous unrealized loss position at September 30, 2013 and December 31, 2012:
		September 30, 2013
		Less than 12 Months				12 Months or Greater				Total
				Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	(in thousands)	Value		Losses		Value		Losses		Value		Losses
	Obligations of state and political subdivisions	$	16,257	$	1,916	$	2,428	$	410	$	18,685	$	2,326
	Government-sponsored agency:
	Collateralized mortgage obligations		17,110		710		910		10		18,020		720
	Residential mortgage-backed securities		89,027		1,919		-		-		89,027		1,919
	Corporate debt securities		-		-		405		95		405		95
	Equity securities		-		-		951		49		951		49
	Total	$	122,394	$	4,545	$	4,694	$	564	$	127,088	$	5,109
		December 31, 2012
		Less than 12 Months				12 Months or Greater				Total
				Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	(in thousands)	Value		Losses		Value		Losses		Value		Losses
	Obligations of state and political subdivisions	$	8,649	$	398	$	4,139	$	335	$	12,788	$	733
	Government-sponsored agency:
	Collateralized mortgage obligations		1,485		13		2		-		1,487		13
	Residential mortgage-backed securities		12,899		229		-		-		12,899		229
	Corporate debt securities		-		-		410		90		410		90
	Equity securities		990		10		-		-		990		10
	Total	$	24,023	$	650	$	4,551	$	425	$	28,574	$	1,075
Schedule of rollforward of cumulative OTTI credit losses	'
	The following table provides a cumulative rollforward of credit losses recognized:
	Rollforward of Cumulative Credit Losses
	(in thousands)	2013		2012
	Beginning balance January 1	$	-	$	8,619
	Credit losses on debt securities for which OTTI was not previously recognized		-		-
	Additional credit losses on debt securities for which OTTI was previously recognized		-		96
	Less: sale of PreTSLs for which OTTI was previously recognized		-		-
	Ending balance, September 30	$	-	$	8,715

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Measurements	'
Schedule of financial asset amounts that are carried at fair value and measured at fair value on a recurring basis and indicate the fair value hierarchy of the valuation techniques utilized by the entity to determine the fair value	'
	The following tables detail the financial asset amounts that are carried at fair value and measured at fair value on a recurring basis at September 30, 2013 and December 31, 2012 and indicate the fair value hierarchy of the valuation techniques utilized by the Company to determine the fair value:
					Fair Value Measurements at September 30, 2013
					Quoted prices			Significant			Significant
					in active markets			observable			unobservable
					for identical assets			inputs			inputs
	(in thousands)	Fair value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	Government-sponsored agency:
	Collateralized mortgage obligations	$	20,677		$	-		$	20,677		$	-
	Residential mortgage-backed securities		92,354			-			92,354			-
	Obligations of state and political subdivisions		71,217			-			70,507			710
	Corporate debt securities		405			-			405			-
	Equity securities		961			961			-			-
	Total securities available-for-sale	$	185,614		$	961		$	183,943		$	710
				Fair Value Measurements at December 31, 2012
					Quoted prices			Significant			Significant
					in active markets			observable			unobservable
					for identical assets			inputs			inputs
	(in thousands)	Fair value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	Obligations of U.S. government agencies	$	1,891		$	-		$	1,891		$	-
	Government-sponsored agency:
	Collateralized mortgage obligations		9,103			-			9,103			-
	Residential mortgage-backed securities		69,456			-			69,456			-
	Obligations of state and political subdivisions		103,501			-			101,762			1,739
	Corporate debt securities		410			-			410			-
	Equity securities		1,000			1,000			-			-
	Total securities available-for-sale	$	185,361		$	1,000		$	182,622		$	1,739
Schedule of reconciliation and statement of operations classifications of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3)	'
	The tables below present a reconciliation and statement of operations classifications of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the nine month periods ended September 30, 2013 and 2012:
	Fair Value Measurements
	Using Significant Unobservable Inputs (Level 3)
	(in thousands)	State and
		Political
		Subdivisions
	Balance at December 31, 2012	$	1,739
	Amortization		-
	Accretion		-
	Payments received		-425
	Sales		-622
	Total gains or losses (realized/unrealized):
	Included in earnings		2
	Included in other comprehensive income		16
	Balance at September 30, 2013	$	710
	Fair Value Measurements
	Using Significant Unobservable Inputs (Level 3)
	(in thousands)	PreTSLs			State and			Private			Total
					Political			Label
					Subdivisions			CMOs
	Balance at December 31, 2011	$	3,801		$	2,811		$	36,256		$	42,868
	Amortization		-			-			-348			-348
	Accretion		-			-			90			90
	Payments received		-154			-410			-10,692			-11,256
	Purchases		-			-			14,691			14,691
	Sales and calls		-			-585			-6,513			-7,098
	Total gains or losses (realized/unrealized):
	Included in earnings		-96			1			84			-11
	Included in other comprehensive income		2,565			56			-27			2,594
	Balance at September 30, 2012	$	6,116		$	1,873		$	33,541		$	41,530
Schedule of assets and liabilities measured at fair value on a non-recurring basis	'
	Assets newly measured at fair value on a non-recurring basis are summarized below:
		Fair Value Measurements at September 30, 2013
	(in thousands)	Fair Value (1)			Quoted Prices in			Significant			Significant Other
					Active Markets for			Other			Unobservable
					Identical Assets			Observable			Inputs
					(Level 1)			Inputs			(Level 3)
								(Level 2)
	Collateral-dependent impaired loans	$	6,046		$	-		$	-		$	6,046
	Other real estate owned		2,376			-			-			2,376
		Fair Value Measurements at December 31, 2012
	(in thousands)	Fair Value (1)			Quoted Prices in			Significant			Significant
					Active Markets for			Other			Other
					Identical Assets			Observable			Unobservable
					(Level 1)			Inputs			Inputs
								(Level 2)			(Level 3)
	Collateral-dependent impaired loans	$	7,816		$	-		$	-		$	7,816
	Other real estate owned		2,455			-			-			2,455
	(1)   Represents carrying value and related write-downs for which adjustments are based on appraised value. Management makes adjustments to the appraised values as necessary to consider declines in real estate values since the time of the appraisal. Such adjustments are based on management’s knowledge of the local real estate markets.
Schedule of estimated fair values of the company's financial instruments	'
	The estimated fair values of the Company’s financial instruments are as follows:
		Fair Value		September 30, 2013						December 31, 2012
	(in thousands)	Measurement		Carrying Value			Fair Value			Carrying Value			Fair Value
	Financial assets
	Cash and short term investments	Level 1		$	86,386		$	86,386		$	115,271		$	115,271
	Securities available-for-sale	See previous table			185,614			185,614			185,361			185,361
	Securities held-to-maturity	Level 2			2,280			2,420			2,198			2,483
	FHLB and FRB Stock	Level 2			3,900			3,900			7,308			7,308
	Loans, held for sale	Level 3			884			884			1,615			1,615
	Loans, net	Level 2			638,872			644,729			579,396			592,504
	Accrued interest receivable	Level 2			2,320			2,320			2,199			2,199
	Mortgage servicing rights	Level 3			560			972			675			884
	Financial liabilities
	Deposits	Level 2			853,810			856,034			854,613			858,970
	Borrowed funds	Level 2			72,523			75,790			53,903			59,021
	Accrued interest payable	Level 2			8,234			8,234			6,427			6,427

Earnings_per_Share_Tables

Earnings per Share (Tables)	9 Months Ended
	Sep. 30, 2013
Earnings Per Share	'
Tabular disclosure of calculation of both basic and diluted earnings per common share	'
	The following table shows the calculation of both basic and diluted earnings per common share and the number of stock options excluded from common share equivalents for the three and nine months ended September 30, 2013 and 2012:
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
	(in thousands, except share data)	2013		2012		2013		2012
	Net income (loss)	$	1,887	$	-6,521	$	4,338	$	-8,653
	Basic weighted-average number of common shares outstanding		16,457,169		16,442,119		16,457,169		16,442,119
	Plus: common share equivalents		-		-		-		-
	Diluted weighted-average number of common shares outstanding		16,457,169		16,442,119		16,457,169		16,442,119
	Earnings per common share:
	Basic	$	0.11	$	-0.4	$	0.26	$	-0.53
	Diluted	$	0.11	$	-0.4	$	0.26	$	-0.53
	Number of stock options excluded from common share equivalents		114,348		114,348		144,470		144,470

Other_Comprehensive_Income_Tab

Other Comprehensive Income (Tables)	9 Months Ended
	Sep. 30, 2013
Other Comprehensive Income	'
Summary of reclassifications out of accumulated other comprehensive income (loss)	'
	The following tables summarize the reclassifications out of accumulated other comprehensive income (loss):
		Three Months Ended September 30, 2013				Nine Months Ended September 30, 2013
		Amount				Amount
		Reclassified from				Reclassified from
		Accumulated				Accumulated
		Other		Affected Line Item		Other			Affected Line Item
		Comprehensive		in the Consolidated		Comprehensive			in the Consolidated
	(in thousands)	Income		Statements of Operations		Income			Statements of Operations
	Available-for-sale securities:
	Reclassification adjustment for net gains reclassified into net income	$	-817	Net gain on sale of securities		$	-2,558		Net gain on sale of securities
	Taxes		278	Income taxes			870		Income taxes
	Net of tax amount	$	-539			$	-1,688
		Three Months Ended September 30, 2012				Nine Months Ended September 30, 2012
		Amount				Amount
		Reclassified from				Reclassified from
		Accumulated				Accumulated
		Other		Affected Line Item		Other			Affected Line Item
		Comprehensive		in the Consolidated		Comprehensive			in the Consolidated
	(in thousands)	Income		Statements of Operations		Income			Statements of Operations
	Available-for-sale securities:
	Reclassification adjustment for net gains reclassified into net income	$	-88	Net gain on sale of securities		$	-96		Net gain on sale of securities
	Reclassification adjustment for non-credit-related gains reclassified into net income		2,345	OTTI			2,565		OTTI
	Taxes		-767	Income taxes			-840		Income taxes
	Net of tax amount	$	1,490			$	1,629
Summary of changes in accumulated other comprehensive income (loss), net of tax	'
	The following table summarizes the changes in accumulated other comprehensive (loss) income, net of tax:
		Three Months Ended					Nine Months Ended
		September 30,					September 30,
	(in thousands)	2013		2012			2013			2012
	Beginning balance	$	-1,142	$	-449		$	6,698		$	-3,967
	Other comprehensive (loss) income before reclassifications		-87		4,680			-6,778			8,140
	Amounts reclassified from accumulated other comprehensive (loss) income		-539		-121			-1,688			-63
	Net other comprehensive (loss) income during the period		-626		4,559			-8,466			8,077
	Ending balance	$	-1,768	$	4,110		$	-1,768		$	4,110

Related_Party_Transactions_Tab

Related Party Transactions (Tables)	9 Months Ended
	Sep. 30, 2013
Related Party Transactions	'
Summary of changes in the total amounts of outstanding loans, advances under lines of credit as well as repayments granted to directors, executive officers and their related parties	'
	The following table summarizes the changes in the total amounts of such outstanding loans, advances under lines of credit as well as repayments during the nine months ended September 30, 2013 and 2012:
		September 30,
	(in thousands)	2013		2012
	Outstanding at beginning of the year	$	33,296	$	87,442
	New loans and advances		38,669		52,242
	Repayments / reductions		-38,750		-89,369
	Other (1)		-256		-
	Outstanding at end of period	$	32,959	$	50,315
	(1) Represents loans to related parties that ceased being related parties during the period.

Stock_Compensation_Plans_Table

Stock Compensation Plans (Tables)	9 Months Ended
	Sep. 30, 2013
Stock Compensation Plans	'
Schedule of the status of stock option plans	'
	A summary of the status of the Company’s stock option plans is presented below:
		Nine Months Ended September 30,
		2013				2012
			Weighted				Weighted
			Average				Average
			Exerice				Exerice
		Shares	Price			Shares	Price
	Outstanding at the beginning of the year	129,170	$	14.26		188,193	$	12.62
	Granted	-		-		-		-
	Exercised	-		-		-		-
	Forfeited	-14,822		13.81		-43,723		7.17
	Outstanding at period end	114,348	$	14.32		144,470	$	14.27
	Options exercisable at period end	114,348	$	14.32		144,470	$	14.27
	Weighted average fair value of options granted during the year		$	-			$	-
	Stock-based compensation expense		$	-			$	-
Schedule of information pertaining to options outstanding	'
	Information pertaining to options outstanding at September 30, 2013 is as follows:
		Options Outstanding					Options Excercisable
			Weighted
			Average		Weighted				Weighted
			Remaining		Average				Average
		Number	Contractual		Exercise		Number		Exercise
	Range of Exercise Price	Outstanding	Life		Price		Exercisable		Price
	$10.01 - $23.13	114,348	2.74		$	14.32	114,348		$	14.32

Regulatory_Matters_Details

Regulatory Matters (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Tier I capital:	'	'
Total tier I capital	$44,025	$39,587
Tier II capital:	'	'
Subordinated notes	22,015	19,796
Allowable portion of allowance for loan losses	8,528	8,452
Total tier II capital	30,543	28,248
Total risk-based capital	74,568	67,835
Total risk-weighted assets	672,645	665,323
Bank	'	'
Tier I capital:	'	'
Total tier I capital	76,307	69,963
Tier II capital:	'	'
Allowable portion of allowance for loan losses	8,523	8,447
Total tier II capital	8,523	8,447
Total risk-based capital	84,830	78,410
Total risk-weighted assets	$672,231	$664,914

Regulatory_Matters_Details_1

Regulatory Matters (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Dec. 31, 2012	Nov. 30, 2010
In Thousands, unless otherwise specified			Bank	Bank	Bank
					Minimum
Total capital (to risk-weighted assets)	'	'	'	'	'
Actual Amount	$74,568	$67,835	$84,830	$78,410	'
For Capital Adequacy Purposes, Amount	53,812	53,226	53,779	53,193	'
To Be Well Capitalized Under Prompt Corrective Action Provision, Amount	0	0	67,223	66,491	'
Total capital (to risk-weighted assets), Ratio	'	'	'	'	'
Actual Ratio (as a percent)	11.09%	10.20%	12.62%	11.79%	'
For Capital Adequacy Purposes, Ratio (as a percent)	8.00%	8.00%	8.00%	8.00%	'
To be Well Capitalized Under Prompt Corrective Action Provision, Ratio (as a percent)	0.00%	0.00%	10.00%	10.00%	'
Tier I capital (to risk-weighted assets)	'	'	'	'	'
Actual Amount	44,025	39,587	76,307	69,963	'
For Capital Adequacy Purposes, Amount	26,906	26,613	26,889	26,597	'
To Be Well Capitalized Under Prompt Corrective Action Provision, Amount	0	0	40,334	39,895	'
Tier I capital (to risk-weighted assets), Ratio	'	'	'	'	'
Actual Ratio (as a percent)	6.55%	5.95%	11.35%	10.52%	'
For Capital Adequacy Purposes, Ratio (as a percent)	4.00%	4.00%	4.00%	4.00%	'
To be Well Capitalized Under Prompt Corrective Action Provision, Ratio (as a percent)	0.00%	0.00%	6.00%	6.00%	'
Tier I capital (to average assets)	'	'	'	'	'
Actual Amount	44,025	39,587	76,307	69,963	'
For Capital Adequacy Purposes, Amount	38,194	38,879	38,179	38,865	'
To Be Well Capitalized Under Prompt Corrective Action Provision, Amount	$0	$0	$47,724	$48,581	'
Tier I capital (to average assets), Ratio	'	'	'	'	'
Actual Ratio (as a percent)	4.61%	4.07%	7.99%	7.20%	9.00%
For Capital Adequacy Purposes, Ratio (as a percent)	4.00%	4.00%	4.00%	4.00%	'
To be Well Capitalized Under Prompt Corrective Action Provision, Ratio (as a percent)	0.00%	0.00%	5.00%	5.00%	'

Regulatory_Matters_Details_Tex

Regulatory Matters (Details Textual) (USD $)	9 Months Ended	12 Months Ended								1 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Dec. 31, 2012	Nov. 30, 2010	Nov. 30, 2010	Oct. 31, 2010	Sep. 30, 2013
			New Minimum Capital Level Requirements [Member]	Subsequent Event [Member]	Subsequent Event [Member]	Subsidiaries [Member]	Subsidiaries [Member]	Subsidiaries [Member]	OCC Consent Order [Member]	OCC Consent Order [Member]	Federal Reserve Agreement [Member]
				New Minimum Capital Level Requirements [Member]	New Minimum Capital Level Requirements [Member]			Minimum [Member]	Subsidiaries [Member]	Subsidiaries [Member]	Maximum [Member]
										Maximum [Member]
Capital To Risk Weighted Assets	11.09%	10.20%	10.50%	8.00%	'	12.62%	11.79%	'	13.00%	'	'
Tier One Leverage Capital To Average Assets	4.61%	4.07%	5.00%	4.00%	'	7.99%	7.20%	9.00%	'	'	'
Period From Receipt Of Determination Of No Supervisory Objection For Definitive Agreement	'	'	'	'	'	'	'	'	'	'90 years	'
Period For Submission Of Cash Flow Projection Prior To Beginning Of Subsequent Calendar Year	'	'	'	'	'	'	'	'	'	'	'1 year
Expenses Related To Entering Into and Complying With Regulatory Matters	$292	$585	'	'	'	'	'	'	'	'	'
Tier One Risk Based Capital To Risk Weighted Assets	6.55%	5.95%	7.00%	8.00%	'	11.35%	10.52%	'	'	'	'
Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets	4.00%	4.00%	8.50%	4.50%	6.00%	4.00%	4.00%	'	'	'	'
Capital Conservation Buffer	'	'	0.63%	2.50%	'	'	'	'	'	'	'
Capital Required To Be Well Capitalized To Risk Weighted Assets	0.00%	0.00%	'	'	'	10.00%	10.00%	'	'	'	'
Capital Required For Capital Adequacy To Risk Weighted Assets	8.00%	8.00%	'	'	'	8.00%	8.00%	'	'	'	'

Loans_Details

Loans (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Total loans, gross	$656,096	'	$597,775	'	'	'
Unearned discount	-159	'	-103	'	'	'
Net deferred loan fees and costs	553	'	260	'	'	'
Allowance for loan and lease losses	-17,618	-18,588	-18,536	-20,527	-19,600	-20,834
Loans, net	638,872	'	579,396	'	'	'
Residential real estate	'	'	'	'	'	'
Total loans, gross	115,645	'	90,228	'	'	'
Commercial Real Estate	'	'	'	'	'	'
Total loans, gross	238,492	'	221,591	'	'	'
Construction, land acquisition and development	'	'	'	'	'	'
Total loans, gross	29,290	'	32,502	'	'	'
Commercial and industrial	'	'	'	'	'	'
Total loans, gross	114,096	'	109,693	'	'	'
Consumer	'	'	'	'	'	'
Total loans, gross	117,552	'	109,783	'	'	'
State and Political Subdivisions	'	'	'	'	'	'
Total loans, gross	41,021	'	33,978	'	'	'
Allowance for loan and lease losses	($739)	($983)	($673)	($452)	($456)	($452)

Loans_Details_1

Loans (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Allowance for loan losses:	'	'	'	'	'
Beginning balance	$18,588	$19,600	$18,536	$20,834	'
Charge-offs	-353	-3,619	-1,345	-5,357	'
Recoveries	542	754	2,812	1,674	'
Provisions	1,159	-3,792	2,385	-3,376	'
Ending balance	17,618	20,527	17,618	20,527	'
Allowance for loan losses:	'	'	'	'	'
Individually evaluated for impairment	347	'	347	'	310
Collectively evaluated for impairment	17,271	'	17,271	'	18,226
Total	17,618	20,527	17,618	20,527	'
Loans receivable:	'	'	'	'	'
Individually evaluated for impairment	12,053	'	12,053	'	15,225
Collectively evaluated for impairment	644,043	'	644,043	'	582,550
Total	656,096	'	656,096	'	597,775
Consumer	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	1,760	1,624	1,708	1,526	'
Charge-offs	-74	-198	-433	-447	'
Recoveries	95	80	371	199	'
Provisions	105	126	240	354	'
Ending balance	1,886	1,632	1,886	1,632	'
Allowance for loan losses:	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	0
Collectively evaluated for impairment	1,886	'	1,886	'	1,708
Total	1,886	1,632	1,886	1,632	'
Loans receivable:	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	0
Collectively evaluated for impairment	117,552	'	117,552	'	109,783
Total	117,552	'	117,552	'	109,783
Residential Real Estate	'	'	'	'	'
Loans receivable:	'	'	'	'	'
Total	115,645	'	115,645	'	90,228
Residential Real Estate | Real Estate	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	2,145	2,005	1,764	1,823	'
Charge-offs	-98	-92	-445	-535	'
Recoveries	9	14	190	48	'
Provisions	215	22	762	613	'
Ending balance	2,271	1,949	2,271	1,949	'
Allowance for loan losses:	'	'	'	'	'
Individually evaluated for impairment	26	'	26	'	40
Collectively evaluated for impairment	2,245	'	2,245	'	1,724
Total	2,271	1,949	2,271	1,949	'
Loans receivable:	'	'	'	'	'
Individually evaluated for impairment	2,056	'	2,056	'	2,773
Collectively evaluated for impairment	113,589	'	113,589	'	87,455
Total	115,645	'	115,645	'	90,228
Commercial Real Estate | Real Estate	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	7,823	9,792	8,062	11,151	'
Charge-offs	0	-144	-48	-1,040	'
Recoveries	362	627	471	957	'
Provisions	-869	-708	-1,169	-1,501	'
Ending balance	7,316	9,567	7,316	9,567	'
Allowance for loan losses:	'	'	'	'	'
Individually evaluated for impairment	319	'	319	'	268
Collectively evaluated for impairment	6,997	'	6,997	'	7,794
Total	7,316	9,567	7,316	9,567	'
Loans receivable:	'	'	'	'	'
Individually evaluated for impairment	9,505	'	9,505	'	11,459
Collectively evaluated for impairment	228,987	'	228,987	'	210,132
Total	238,492	'	238,492	'	221,591
Construction, Land Acquisition and Development	'	'	'	'	'
Loans receivable:	'	'	'	'	'
Total	29,290	'	29,290	'	32,502
Construction, Land Acquisition and Development | Real Estate	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	2,390	1,665	2,162	2,590	'
Charge-offs	-65	0	-175	0	'
Recoveries	5	5	124	260	'
Provisions	-141	62	78	-1,118	'
Ending balance	2,189	1,732	2,189	1,732	'
Allowance for loan losses:	'	'	'	'	'
Individually evaluated for impairment	2	'	2	'	2
Collectively evaluated for impairment	2,187	'	2,187	'	2,160
Total	2,189	1,732	2,189	1,732	'
Loans receivable:	'	'	'	'	'
Individually evaluated for impairment	492	'	492	'	993
Collectively evaluated for impairment	28,798	'	28,798	'	31,509
Total	29,290	'	29,290	'	32,502
Commercial and Industrial	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	3,487	4,058	4,167	3,292	'
Charge-offs	-116	-3,185	-244	-3,335	'
Recoveries	71	28	1,656	210	'
Provisions	-225	4,294	-2,362	5,028	'
Ending balance	3,217	5,195	3,217	5,195	'
Allowance for loan losses:	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	0
Collectively evaluated for impairment	3,217	'	3,217	'	4,167
Total	3,217	5,195	3,217	5,195	'
Loans receivable:	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	0
Collectively evaluated for impairment	114,096	'	114,096	'	109,693
Total	114,096	'	114,096	'	109,693
State and Political Subdivisions	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Beginning balance	983	456	673	452	'
Charge-offs	0	0	0	0	'
Recoveries	0	0	0	0	'
Provisions	-244	-4	66	0	'
Ending balance	739	452	739	452	'
Allowance for loan losses:	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	0
Collectively evaluated for impairment	739	'	739	'	673
Total	739	452	739	452	'
Loans receivable:	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	0
Collectively evaluated for impairment	41,021	'	41,021	'	33,978
Total	$41,021	'	$41,021	'	$33,978

Loans_Details_2

Loans (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Internal Loan Rating System	'	'
Total Gross Loans Receivables	$439,848	$413,867
Commercial and Industrial	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	108,513	104,316
Consumer	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	2,759	3,467
Pass	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	392,350	355,105
Pass | Commercial and Industrial	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	102,005	93,484
Pass | Consumer	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	2,612	3,324
Special mention	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	17,340	17,494
Special mention | Commercial and Industrial	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	2,310	7,437
Special mention | Consumer	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Substandard	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	30,158	41,268
Substandard | Commercial and Industrial	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	4,198	3,395
Substandard | Consumer	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	147	143
Doubtful	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Doubtful | Commercial and Industrial	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Doubtful | Consumer	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Loss	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Loss | Commercial and Industrial	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Loss | Consumer	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Residential Real Estate | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	21,772	20,011
Residential Real Estate | Pass | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	19,321	17,138
Residential Real Estate | Special mention | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	1,187	564
Residential Real Estate | Substandard | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	1,264	2,309
Residential Real Estate | Doubtful | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Residential Real Estate | Loss | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Commercial Real Estate | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	238,492	221,591
Commercial Real Estate | Pass | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	207,213	189,903
Commercial Real Estate | Special mention | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	13,843	8,587
Commercial Real Estate | Substandard | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	17,436	23,101
Commercial Real Estate | Doubtful | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Commercial Real Estate | Loss | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Construction, Land Acquisition and Development | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	27,291	30,504
Construction, Land Acquisition and Development | Pass | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	20,935	23,052
Construction, Land Acquisition and Development | Special mention | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	57
Construction, Land Acquisition and Development | Substandard | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	6,356	7,395
Construction, Land Acquisition and Development | Doubtful | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Construction, Land Acquisition and Development | Loss | Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
State and Political Subdivisions	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	41,021	33,978
State and Political Subdivisions | Pass	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	40,264	28,204
State and Political Subdivisions | Special mention	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	849
State and Political Subdivisions | Substandard	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	757	4,925
State and Political Subdivisions | Doubtful	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
State and Political Subdivisions | Loss	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Other loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	216,248	183,908
Other loans | Performing (Accruing) Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	214,105	182,093
Other loans | Non-accrual Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	2,143	1,815
Other loans | Residential Real Estate	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	93,873	70,217
Other loans | Residential Real Estate | Performing (Accruing) Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	91,982	68,446
Other loans | Residential Real Estate | Non-accrual Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	1,891	1,771
Other loans | Construction, Land Acquisition and Development	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	1,999	1,998
Other loans | Construction, Land Acquisition and Development | Performing (Accruing) Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	1,999	1,998
Other loans | Construction, Land Acquisition and Development | Non-accrual Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	0	0
Other loans | Consumer	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	114,793	106,316
Other loans | Consumer | Performing (Accruing) Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	114,551	106,272
Other loans | Consumer | Non-accrual Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	242	44
Other loans | Consumer - indirect auto	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	5,583	5,377
Other loans | Consumer - indirect auto | Performing (Accruing) Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	5,573	5,377
Other loans | Consumer - indirect auto | Non-accrual Loans	'	'
Internal Loan Rating System	'	'
Total Gross Loans Receivables	$10	$0

Loans_Details_3

Loans (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Performing and non-accrual loans	'	'
0-29 Days Past Due	$651,560	$586,743
30-59 Days Past Due	1,969	2,907
60-89 Days Past Due	1,203	4,979
>/=0 Days Past Due	1,364	3,146
Total	656,096	597,775
Performing (Accruing) Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	645,965	585,031
30-59 Days Past Due	1,855	2,651
60-89 Days Past Due	1,053	384
>/=0 Days Past Due	7	57
Total	648,880	588,123
Non-accrual Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	5,595	1,712
30-59 Days Past Due	114	256
60-89 Days Past Due	150	4,595
>/=0 Days Past Due	1,357	3,089
Total	7,216	9,652
Real Estate | Performing (Accruing) Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	375,624	334,300
30-59 Days Past Due	463	645
60-89 Days Past Due	462	31
>/=0 Days Past Due	0	30
Total	376,549	335,006
Real Estate | Non-accrual Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	5,519	1,649
30-59 Days Past Due	90	226
60-89 Days Past Due	89	4,582
>/=0 Days Past Due	1,180	2,858
Total	6,878	9,315
Commercial and Industrial | Performing (Accruing) Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	113,605	108,932
30-59 Days Past Due	250	517
60-89 Days Past Due	146	20
>/=0 Days Past Due	7	27
Total	114,008	109,496
Commercial and Industrial | Non-accrual Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	56	61
30-59 Days Past Due	0	30
60-89 Days Past Due	29	11
>/=0 Days Past Due	3	95
Total	88	197
Consumer | Performing (Accruing) Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	115,715	107,821
30-59 Days Past Due	1,142	1,489
60-89 Days Past Due	445	333
>/=0 Days Past Due	0	0
Total	117,302	109,643
Consumer | Non-accrual Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	20	2
30-59 Days Past Due	24	0
60-89 Days Past Due	32	2
>/=0 Days Past Due	174	136
Total	250	140
Residential Real Estate | Performing (Accruing) Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	112,433	86,301
30-59 Days Past Due	407	422
60-89 Days Past Due	291	31
>/=0 Days Past Due	0	30
Total	113,131	86,784
Residential Real Estate | Non-accrual Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	1,155	953
30-59 Days Past Due	90	105
60-89 Days Past Due	89	230
>/=0 Days Past Due	1,180	2,156
Total	2,514	3,444
Commercial Real Estate | Performing (Accruing) Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	233,946	216,100
30-59 Days Past Due	56	194
60-89 Days Past Due	171	0
>/=0 Days Past Due	0	0
Total	234,173	216,294
Commercial Real Estate | Non-accrual Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	4,319	250
30-59 Days Past Due	0	121
60-89 Days Past Due	0	4,352
>/=0 Days Past Due	0	574
Total	4,319	5,297
Construction, Land Acquisition and Development | Performing (Accruing) Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	29,245	31,899
30-59 Days Past Due	0	29
60-89 Days Past Due	0	0
>/=0 Days Past Due	0	0
Total	29,245	31,928
Construction, Land Acquisition and Development | Non-accrual Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	45	446
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
>/=0 Days Past Due	0	128
Total	45	574
State and Political Subdivisions | Performing (Accruing) Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	41,021	33,978
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
>/=0 Days Past Due	0	0
Total	41,021	33,978
State and Political Subdivisions | Non-accrual Loans	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	0	0
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
>/=0 Days Past Due	0	0
Total	$0	$0

Loans_Details_4

Loans (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Recorded Investment	'	'
With No Allowance Recorded	$5,781	$2,373
With a Related Allowance Recorded	6,272	12,852
Total Impaired Loans	12,053	15,225
Unpaid Principal Balance	'	'
With No Allowance Recorded	6,258	2,847
With a Related Allowance Recorded	6,422	12,866
Total Impaired Loans	12,680	15,713
Related Allowance	'	'
Related Allowance	347	310
Real Estate	'	'
Recorded Investment	'	'
With No Allowance Recorded	5,781	2,373
With a Related Allowance Recorded	6,272	12,852
Total Impaired Loans	12,053	15,225
Unpaid Principal Balance	'	'
With No Allowance Recorded	6,258	2,847
With a Related Allowance Recorded	6,422	12,866
Total Impaired Loans	12,680	15,713
Related Allowance	'	'
Related Allowance	347	310
Commercial and Industrial	'	'
Recorded Investment	'	'
With No Allowance Recorded	0	0
With a Related Allowance Recorded	0	0
Total Impaired Loans	0	0
Unpaid Principal Balance	'	'
With No Allowance Recorded	0	0
With a Related Allowance Recorded	0	0
Total Impaired Loans	0	0
Related Allowance	'	'
Related Allowance	0	0
Consumer	'	'
Recorded Investment	'	'
With No Allowance Recorded	0	0
With a Related Allowance Recorded	0	0
Total Impaired Loans	0	0
Unpaid Principal Balance	'	'
With No Allowance Recorded	0	0
With a Related Allowance Recorded	0	0
Total Impaired Loans	0	0
Related Allowance	'	'
Related Allowance	0	0
Residential real estate	'	'
Recorded Investment	'	'
With No Allowance Recorded	1,644	1,275
With a Related Allowance Recorded	412	1,498
Total Impaired Loans	2,056	2,773
Unpaid Principal Balance	'	'
With No Allowance Recorded	1,818	1,378
With a Related Allowance Recorded	562	1,512
Total Impaired Loans	2,380	2,890
Related Allowance	'	'
Related Allowance	26	40
Commercial real estate	'	'
Recorded Investment	'	'
With No Allowance Recorded	4,137	389
With a Related Allowance Recorded	5,368	11,069
Total Impaired Loans	9,505	11,459
Unpaid Principal Balance	'	'
With No Allowance Recorded	4,440	665
With a Related Allowance Recorded	5,368	11,069
Total Impaired Loans	9,808	11,734
Related Allowance	'	'
Related Allowance	319	268
Construction, land acquisition & development	'	'
Recorded Investment	'	'
With No Allowance Recorded	0	709
With a Related Allowance Recorded	492	285
Total Impaired Loans	492	993
Unpaid Principal Balance	'	'
With No Allowance Recorded	0	804
With a Related Allowance Recorded	492	285
Total Impaired Loans	492	1,089
Related Allowance	'	'
Related Allowance	2	2
State and Political Subdivisions	'	'
Recorded Investment	'	'
With No Allowance Recorded	0	0
With a Related Allowance Recorded	0	0
Total Impaired Loans	0	0
Unpaid Principal Balance	'	'
With No Allowance Recorded	0	0
With a Related Allowance Recorded	0	0
Total Impaired Loans	0	0
Related Allowance	'	'
Related Allowance	$0	$0

Loans_Details_5

Loans (Details 5) (USD $)	3 Months Ended				9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2012		Sep. 30, 2013		Sep. 30, 2012
Average Balance	$12,567		$24,590		$13,601		$24,729
Interest Income	88	[1]	92	[1]	282	[1]	257	[1]
Real Estate Portfolio Segment [Member]	'		'		'		'
Average Balance	12,567		22,009		13,601		21,243
Interest Income	88	[1]	92	[1]	282	[1]	257	[1]
Commercial and Industrial Loan Portfolio Segment [Member]	'		'		'		'
Average Balance	0		2,308		0		3,305
Interest Income	0	[1]	0	[1]	0	[1]	0	[1]
Consumer Portfolio Segment [Member]	'		'		'		'
Average Balance	0		71		0		44
Interest Income	0	[1]	0	[1]	0	[1]	0	[1]
Residential Mortgage [Member]	'		'		'		'
Average Balance	2,061		4,227		2,204		4,234
Interest Income	2	[1]	1	[1]	6	[1]	6	[1]
Commercial Real Estate Portfolio Segment [Member]	'		'		'		'
Average Balance	9,767		15,421		10,503		14,302
Interest Income	80	[1]	83	[1]	254	[1]	222	[1]
Construction Land Acquisition and Development [Member]	'		'		'		'
Average Balance	739		2,361		894		2,707
Interest Income	6	[1]	8	[1]	22	[1]	29	[1]
Us States and Political Subdivisions Debt Securities [Member]	'		'		'		'
Average Balance	0		202		0		137
Interest Income	'		$0	[1]	'		$0	[1]
[1]	Interest income represents income recognized on performing TDRs

Loans_Details_6

Loans (Details 6) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Number Of Contracts	0	2	2	3
Pre-Modification Outstanding Recorded Investments	$0	$1,996	$4,561	$2,035
Post-Modification Outstanding Recorded Investments	0	1,996	4,561	2,035
Residential Mortgage [Member]	'	'	'	'
Number Of Contracts	0	0	0	0
Pre-Modification Outstanding Recorded Investments	0	0	0	0
Post-Modification Outstanding Recorded Investments	0	0	0	0
Commercial Real Estate Portfolio Segment [Member]	'	'	'	'
Number Of Contracts	0	2	2	2
Pre-Modification Outstanding Recorded Investments	0	1,996	4,561	1,996
Post-Modification Outstanding Recorded Investments	0	1,996	4,561	1,996
Construction Land Acquisition and Development [Member]	'	'	'	'
Number Of Contracts	0	0	0	1
Pre-Modification Outstanding Recorded Investments	0	0	0	39
Post-Modification Outstanding Recorded Investments	0	0	0	39
Commercial and Industrial Loan Portfolio Segment [Member]	'	'	'	'
Number Of Contracts	0	0	0	0
Pre-Modification Outstanding Recorded Investments	0	0	0	0
Post-Modification Outstanding Recorded Investments	$0	$0	$0	$0

Loans_Details_7

Loans (Details 7) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Number of Contracts in TDRs that have re-defaulted	'	0	'	1
Type of modification, Extension of term Amount	$0	$1,996	$0	$2,035
Type of modification, Principal forebearance	0	0	4,561	0
Total TDRs	0	1,996	4,561	2,035
Recorded Investment in TDRs that have re-defaulted	'	0	'	408
Construction, land acquisition and development	'	'	'	'
Number of Contracts in TDRs that have re-defaulted	'	0	'	1
Type of modification, Extension of term Amount	0	0	0	39
Type of modification, Principal forebearance	0	0	0	0
Total TDRs	0	0	0	39
Recorded Investment in TDRs that have re-defaulted	'	0	'	408
Commercial real estate	'	'	'	'
Number of Contracts in TDRs that have re-defaulted	'	0	'	0
Type of modification, Extension of term Amount	0	1,996	0	1,996
Type of modification, Principal forebearance	0	0	4,561	0
Total TDRs	0	1,996	4,561	1,996
Recorded Investment in TDRs that have re-defaulted	'	0	'	0
Residential Real Estate	'	'	'	'
Type of modification, Extension of term Amount	0	0	0	0
Type of modification, Principal forebearance	0	0	0	0
Total TDRs	$0	$0	$0	$0

Loans_Details_Textual

Loans (Details Textual) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Loans Receivable Held-For-Sale, Net	$884,000	'	$884,000	'	$1,615,000
Financing Receivable Specified Amount Of Outstanding Nonaccrual Troubled Debt Restructuring Loans Rated As Doubtful Or Substandard To Be Categorized As Impaired Loans	100,000	'	100,000	'	'
Period Past Due For Classification Of Loans To Non Accrual Status	'	'	'90 days	'	'90 days
Loans Still Classified As Non Accrual Status Period Of Past Due	'	'	'90 days	'	'90 days
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	7,000	'	7,000	'	57,000
Impaired Financing Receivable, Related Allowance	347,000	'	347,000	'	310,000
Financing Receivable Amount Of Nonaccrual Troubled Debt Restructuring Loans With Specified Amount Of Outstanding Balance	12,100,000	'	12,100,000	'	15,200,000
Financing Receivable Amount Of Nonaccrual Troubled Debt Restructuring Loans With Specified Minimum Amount Of Outstanding Balance	1,100,000	'	1,100,000	'	1,900,000
Impaired Financing Receivable, Additional Interest Income	68,000	376,000	457,000	1,200,000	'
Financing Receivable Specific Reserve Amount For Non Accrual Loans	321,000	'	321,000	'	257,000
Financing Receivable Amount Of Loans With Amount Outstanding Balance	10,900,000	'	10,900,000	'	8,900,000
Troubled Debt Restructuring Debtor Subsequent Periods Contingent Payment Percentage Guarantee	'	'	90.00%	'	'
Troubled Debt Restructuring Debtor Subsequent Periods Payment Unguaranteed Amount	'	'	402,000	'	'
Troubled Debt Restructuring Debtor Other Subsequent Periods Amount Increased	'	'	1,000	'	'
Other loans	'	'	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	7,200,000	'	7,200,000	'	9,700,000
Accrual Loans	'	'	'	'	'
Financing Receivable Specific Reserve Amount For Non Accrual Loans	6,000,000	'	6,000,000	'	7,500,000
Non-accrual Loans	'	'	'	'	'
Impaired Financing Receivable, Related Allowance	'	'	'	'	100,000
Financing Receivable Specific Reserve Amount For Non Accrual Loans	4,900,000	'	4,900,000	'	1,400,000
One To Four Family Residential Mortgage Loan	'	'	'	'	'
Proceeds from Sale of Loans Held-for-sale, Total	2,500,000	'	9,000,000	'	'
Loans Receivable Held-For-Sale, Net	$884,000	'	$884,000	'	$1,600,000

Other_Real_Estate_Owned_Detail

Other Real Estate Owned (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Total Other Real Estate Owned	$4,405	$3,983	$5,072	$6,958
Land/Lots	'	'	'	'
Total Other Real Estate Owned	3,844	2,929	'	'
Commercial Real Estate	'	'	'	'
Total Other Real Estate Owned	441	1,054	'	'
Residential Real Estate	'	'	'	'
Total Other Real Estate Owned	$120	$0	'	'

Other_Real_Estate_Owned_Detail1

Other Real Estate Owned (Details 1) (USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2012
Balance, beginning of period	'	$3,983	$6,958
Loans transferred to OREO	'	255	1,385
Bank premises transferred to OREO	'	1,819	0
Valuation adjustments	-69	-257	-808
Carrying value of OREO sold	-1,700	-1,395	-2,463
Balance, end of period	$4,405	$4,405	$5,072

Other_Real_Estate_Owned_Detail2

Other Real Estate Owned (Details 2) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Foreclosed Real Estate Expense	$318	$1,049	$768	$1,453
Real Estate Insurance One [Member]	'	'	'	'
Foreclosed Real Estate Expense	'	'	133	60
Real Estate Legal Fees [Member]	'	'	'	'
Foreclosed Real Estate Expense	'	'	122	55
Real Estate Maintenance [Member]	'	'	'	'
Foreclosed Real Estate Expense	'	'	43	46
Real Estate Income (Loss) From Operation Of Foreclosed Properties [Member]	'	'	'	'
Foreclosed Real Estate Expense	'	'	-26	-13
Professional Fees One [Member]	'	'	'	'
Foreclosed Real Estate Expense	'	'	44	178
Real Estate Taxes One [Member]	'	'	'	'
Foreclosed Real Estate Expense	'	'	127	224
Real Estate Utilities [Member]	'	'	'	'
Foreclosed Real Estate Expense	'	'	9	15
Real Estate Other [Member]	'	'	'	'
Foreclosed Real Estate Expense	'	'	59	80
Real Estate Impairment Charges [Member]	'	'	'	'
Foreclosed Real Estate Expense	'	'	$257	$808

Other_Real_Estate_Owned_Detail3

Other Real Estate Owned (Details Textual) (USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Dec. 31, 2011
Other Real Estate, Foreclosed Assets, and Repossessed Assets	$4,405	$4,405	$5,072	$3,983	$6,958
Other Real Estate, Disposals	1,700	1,395	2,463	'	'
Other Real Estate, Valuation Adjustments	$69	$257	$808	'	'

Securities_Details

Securities (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
Available-for-sale securities:	'	'	'
Amortized cost	$188,293	$175,213	'
Available-for-sale Securities, Gross Unrealized Gain, Total	2,430	11,223	'
Available-for-sale Securities, Gross Unrealized Loss, Total	5,109	1,075	'
Fair value	185,614	185,361	6,100
Held-to-maturity securities:	'	'	'
Fair Value	2,420	2,483	'
Obligations of U.S. government agencies	'	'	'
Available-for-sale securities:	'	'	'
Amortized cost	'	1,821	'
Available-for-sale Securities, Gross Unrealized Gain, Total	'	70	'
Available-for-sale Securities, Gross Unrealized Loss, Total	'	0	'
Fair value	'	1,891	'
Obligations of state and political subdivisions	'	'	'
Available-for-sale securities:	'	'	'
Amortized cost	71,237	95,312	'
Available-for-sale Securities, Gross Unrealized Gain, Total	2,306	8,922	'
Available-for-sale Securities, Gross Unrealized Loss, Total	2,326	733	'
Fair value	71,217	103,501	'
Held-to-maturity securities:	'	'	'
Amortized Cost	2,280	2,198	'
Held-to-maturity Securities, Unrecognized Holding Gain	140	285	'
Held-to-maturity Securities, Unrecognized Holding Loss	0	0	'
Fair Value	2,420	2,483	'
Government sponsored agency/ collateralized mortgage obligations	'	'	'
Available-for-sale securities:	'	'	'
Amortized cost	21,356	8,805	'
Available-for-sale Securities, Gross Unrealized Gain, Total	41	311	'
Available-for-sale Securities, Gross Unrealized Loss, Total	720	13	'
Fair value	20,677	9,103	'
Government sponsored agency/ residential mortgage-backed securities	'	'	'
Available-for-sale securities:	'	'	'
Amortized cost	94,190	67,765	'
Available-for-sale Securities, Gross Unrealized Gain, Total	83	1,920	'
Available-for-sale Securities, Gross Unrealized Loss, Total	1,919	229	'
Fair value	92,354	69,456	'
Corporate debt securities	'	'	'
Available-for-sale securities:	'	'	'
Amortized cost	500	500	'
Available-for-sale Securities, Gross Unrealized Gain, Total	'	0	'
Available-for-sale Securities, Gross Unrealized Loss, Total	95	90	'
Fair value	405	410	'
Equity securities	'	'	'
Available-for-sale securities:	'	'	'
Amortized cost	1,010	1,010	'
Available-for-sale Securities, Gross Unrealized Gain, Total	'	0	'
Available-for-sale Securities, Gross Unrealized Loss, Total	49	10	'
Fair value	$961	$1,000	'

Securities_Details_1

Securities (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Amortized Cost, Available-for-Sale	'	'	'
One year or less	$0	'	'
One year through five years	740	'	'
After five years through ten years	22,018	'	'
After ten years	48,979	'	'
Total	187,283	'	'
Fair Value, Available-for-Sale	'	'	'
One year or less	0	'	'
One year through five years	710	'	'
After five years through ten years	22,530	'	'
After ten years	48,382	'	'
Total	185,614	185,361	6,100
Amortized Cost, Held-to-Maturity	'	'	'
After five years through ten years	2,280	'	'
Total	2,280	2,198	'
Fair Value, Held-to-maturity	'	'	'
After Five Years through Ten Years	2,420	'	'
Total	2,420	2,483	'
Collateralized mortgage obligations	'	'	'
Amortized Cost, Available-for-Sale	'	'	'
Single Maturity	21,356	'	'
Fair Value, Available-for-Sale	'	'	'
Single Maturity	20,677	'	'
Mortgage-backed securities	'	'	'
Amortized Cost, Available-for-Sale	'	'	'
Single Maturity	94,190	'	'
Fair Value, Available-for-Sale	'	'	'
Single Maturity	$92,354	'	'

Securities_Details_2

Securities (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Less than 12 Months, Fair Value	$122,394	$24,023
Less than 12 Months, Gross Unrealized Losses	4,545	650
12 Months or Greater, Fair Value	4,694	4,551
12 Months or Greater, Gross Unrealized Losses	564	425
Total, Fair Value	127,088	28,574
Total, Gross Unrealized Losses	5,109	1,075
Obligations of state and political subdivisions	'	'
Less than 12 Months, Fair Value	16,257	8,649
Less than 12 Months, Gross Unrealized Losses	1,916	398
12 Months or Greater, Fair Value	2,428	4,139
12 Months or Greater, Gross Unrealized Losses	410	335
Total, Fair Value	18,685	12,788
Total, Gross Unrealized Losses	2,326	733
Government sponsored agency/ collateralized mortgage obligations	'	'
Less than 12 Months, Fair Value	17,110	1,485
Less than 12 Months, Gross Unrealized Losses	710	13
12 Months or Greater, Fair Value	910	2
12 Months or Greater, Gross Unrealized Losses	10	0
Total, Fair Value	18,020	1,487
Total, Gross Unrealized Losses	720	13
Government sponsored agency/ residential mortgage-backed securities	'	'
Less than 12 Months, Fair Value	89,027	12,899
Less than 12 Months, Gross Unrealized Losses	1,919	229
12 Months or Greater, Fair Value	0	0
12 Months or Greater, Gross Unrealized Losses	0	0
Total, Fair Value	89,027	12,899
Total, Gross Unrealized Losses	1,919	229
Corporate debt securities	'	'
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Gross Unrealized Losses	0	0
12 Months or Greater, Fair Value	405	410
12 Months or Greater, Gross Unrealized Losses	95	90
Total, Fair Value	405	410
Total, Gross Unrealized Losses	95	90
Equity securities	'	'
Less than 12 Months, Fair Value	0	990
Less than 12 Months, Gross Unrealized Losses	0	10
12 Months or Greater, Fair Value	951	0
12 Months or Greater, Gross Unrealized Losses	49	0
Total, Fair Value	951	990
Total, Gross Unrealized Losses	$49	$10

Securities_Details_3

Securities (Details 3) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Rollforward of Cumulative Credit Loss	'	'
Balance at the beginning of the period	$0	$8,619
Credit losses on debt securities for which OTTI was not previously recognized	0	0
Additional credit losses on debt securities for which OTTI was previously recognized	0	96
Less: Sale of PreTSLs for which OTTI was previously recognized	0	0
Balance at the end of the period	$0	$8,715

Securities_Details_Textual

Securities (Details Textual) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Available-for-sale Securities Pledged as Collateral	$176,700,000	'	$176,700,000	'	$185,000,000
Proceeds From Sale Of Available-For-Sale Securities	10,900,000	6,600,000	51,066,000	0	'
Available-for-sale Securities, Gross Realized Losses	0	'	408,000	'	'
Available-for-sale Securities, Gross Realized Gains	800,000	84,000	3,000,000	84,000	'
Available-for-sale Securities, Amortized Cost Basis, Total	'	10,300,000	'	10,300,000	'
Available-For-Sale Securities	185,614,000	6,100,000	185,614,000	6,100,000	185,361,000
Payments To Acquire Federal Home Loan Bank And Federal Reserve Bank Stock	'	'	3,900,000	'	7,300,000
Available-for-sale Securities, Debt Securities	'	6,500,000	'	6,500,000	'
Available For Sale Securities Called Gross Realized Gains	'	4,000	'	12,000	'
Other Assets [Member]	'	'	'	'	'
Payments for (Proceeds from) Federal Reserve Bank Stock, Total	'	'	$1,300,000	'	$1,300,000

Fair_Value_Measurements_Detail

Fair Value Measurements (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Available-for-sale Securities	$185,614	$185,361	$6,100
Obligations of U.S. government agencies	'	'	'
Available-for-sale Securities	'	1,891	'
Government sponsored agency CMOs	'	'	'
Available-for-sale Securities	20,677	9,103	'
Obligations of state and political subdivisions	'	'	'
Available-for-sale Securities	71,217	103,501	'
Corporate debt securities	'	'	'
Available-for-sale Securities	405	410	'
Equity securities	'	'	'
Available-for-sale Securities	961	1,000	'
Fair value	'	'	'
Available-for-sale Securities	185,614	185,361	'
Fair value | Obligations of U.S. government agencies	'	'	'
Available-for-sale Securities	'	1,891	'
Fair value | Government sponsored agency CMOs	'	'	'
Available-for-sale Securities	20,677	9,103	'
Fair value | Rresidential mortgage-backed securities	'	'	'
Available-for-sale Securities	92,354	69,456	'
Fair value | Obligations of state and political subdivisions	'	'	'
Available-for-sale Securities	71,217	103,501	'
Fair value | Corporate debt securities	'	'	'
Available-for-sale Securities	405	410	'
Fair value | Equity securities	'	'	'
Available-for-sale Securities	961	1,000	'
Quoted prices in active markets for identical assets (Level 1)	'	'	'
Available-for-sale Securities	961	1,000	'
Quoted prices in active markets for identical assets (Level 1) | Obligations of U.S. government agencies	'	'	'
Available-for-sale Securities	'	0	'
Quoted prices in active markets for identical assets (Level 1) | Government sponsored agency CMOs	'	'	'
Available-for-sale Securities	0	0	'
Quoted prices in active markets for identical assets (Level 1) | Rresidential mortgage-backed securities	'	'	'
Available-for-sale Securities	0	0	'
Quoted prices in active markets for identical assets (Level 1) | Obligations of state and political subdivisions	'	'	'
Available-for-sale Securities	0	0	'
Quoted prices in active markets for identical assets (Level 1) | Corporate debt securities	'	'	'
Available-for-sale Securities	0	0	'
Quoted prices in active markets for identical assets (Level 1) | Equity securities	'	'	'
Available-for-sale Securities	961	1,000	'
Significant other observable inputs (Level 2)	'	'	'
Available-for-sale Securities	183,943	182,622	'
Significant other observable inputs (Level 2) | Obligations of U.S. government agencies	'	'	'
Available-for-sale Securities	'	1,891	'
Significant other observable inputs (Level 2) | Government sponsored agency CMOs	'	'	'
Available-for-sale Securities	20,677	9,103	'
Significant other observable inputs (Level 2) | Rresidential mortgage-backed securities	'	'	'
Available-for-sale Securities	92,354	69,456	'
Significant other observable inputs (Level 2) | Obligations of state and political subdivisions	'	'	'
Available-for-sale Securities	70,507	101,762	'
Significant other observable inputs (Level 2) | Corporate debt securities	'	'	'
Available-for-sale Securities	405	410	'
Significant other observable inputs (Level 2) | Equity securities	'	'	'
Available-for-sale Securities	0	0	'
Significant other unobservable inputs (Level 3)	'	'	'
Available-for-sale Securities	710	1,739	'
Significant other unobservable inputs (Level 3) | Obligations of U.S. government agencies	'	'	'
Available-for-sale Securities	'	0	'
Significant other unobservable inputs (Level 3) | Government sponsored agency CMOs	'	'	'
Available-for-sale Securities	0	0	'
Significant other unobservable inputs (Level 3) | Rresidential mortgage-backed securities	'	'	'
Available-for-sale Securities	0	0	'
Significant other unobservable inputs (Level 3) | Obligations of state and political subdivisions	'	'	'
Available-for-sale Securities	710	1,739	'
Significant other unobservable inputs (Level 3) | Corporate debt securities	'	'	'
Available-for-sale Securities	0	0	'
Significant other unobservable inputs (Level 3) | Equity securities	'	'	'
Available-for-sale Securities	$0	$0	'

Fair_Value_Measurements_Detail1

Fair Value Measurements (Details 1) (Significant other unobservable inputs (Level 3), USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Balance at the beginning of the period	'	$42,868
Amortization	'	-348
Accretion	'	90
Payments received	'	-11,256
Purchases	'	14,691
Sales and calls	'	-7,098
Total gains or losses (realized/unrealized) included in earnings	'	-11
Total gains or losses (realized/unrealized) included in other comprehensive income	'	2,594
Balance at the end of the period	'	41,530
PreTSLs	'	'
Balance at the beginning of the period	'	3,801
Amortization	'	0
Accretion	'	0
Payments received	'	-154
Purchases	'	0
Sales and calls	'	0
Total gains or losses (realized/unrealized) included in earnings	'	-96
Total gains or losses (realized/unrealized) included in other comprehensive income	'	2,565
Balance at the end of the period	'	6,116
State and Political Subdivisions	'	'
Balance at the beginning of the period	1,739	2,811
Amortization	0	0
Accretion	0	0
Payments received	-425	-410
Sales	-622	'
Purchases	'	0
Sales and calls	'	-585
Total gains or losses (realized/unrealized) included in earnings	2	1
Total gains or losses (realized/unrealized) included in other comprehensive income	16	56
Balance at the end of the period	710	1,873
Private Label CMOs	'	'
Balance at the beginning of the period	'	36,256
Amortization	'	-348
Accretion	'	90
Payments received	'	-10,692
Purchases	'	14,691
Sales and calls	'	-6,513
Total gains or losses (realized/unrealized) included in earnings	'	84
Total gains or losses (realized/unrealized) included in other comprehensive income	'	-27
Balance at the end of the period	'	$33,541

Fair_Value_Measurements_Detail2

Fair Value Measurements (Details 2) (Non-Recurring Basis, USD $)	Sep. 30, 2013		Dec. 31, 2012
In Thousands, unless otherwise specified
Fair value	'		'
Collateral-dependent impaired loans	$6,046	[1]	$7,816	[1]
Other real estate owned	2,376	[1]	2,455	[1]
Quoted prices in active markets for identical (Level 1)	'		'
Collateral-dependent impaired loans	0		0
Other real estate owned	0	[1]	0
Significant other observable inputs (Level 2)	'		'
Collateral-dependent impaired loans	0		0
Other real estate owned	0	[1]	0
Significant other unobservable inputs (Level 3)	'		'
Collateral-dependent impaired loans	6,046		7,816
Other real estate owned	$2,376	[1]	$2,455
[1]	Represents carrying value and related write-downs for which adjustments are based on appraised value. Management makes adjustments to the appraised values as necessary to consider declines in real estate values since the time of the appraisal. Such adjustments are based on management’s knowledge of the local real estate markets.

Fair_Value_Measurements_Detail3

Fair Value Measurements (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Financial assets	'	'	'
Securities available for sale at fair value	$185,614	$185,361	$6,100
Loans, held for sale	884	1,615	'
Accrued interest receivable	2,320	2,199	'
Financial liabilities	'	'	'
Accrued interest payable	8,234	6,427	'
Level 1	'	'	'
Financial assets	'	'	'
Securities available for sale at fair value	961	1,000	'
Level 2	'	'	'
Financial assets	'	'	'
Securities available for sale at fair value	183,943	182,622	'
Level 3	'	'	'
Financial assets	'	'	'
Securities available for sale at fair value	710	1,739	'
Carrying Value	'	'	'
Financial assets	'	'	'
Securities available for sale at fair value	185,614	185,361	'
Carrying Value | Level 1	'	'	'
Financial assets	'	'	'
Cash and short term investments	86,386	115,271	'
Carrying Value | Level 2	'	'	'
Financial assets	'	'	'
Securities held-to-maturity	2,280	2,198	'
FHLB and FRB Stock	3,900	7,308	'
Loans, net	638,872	579,396	'
Accrued interest receivable	2,320	2,199	'
Financial liabilities	'	'	'
Deposits	853,810	854,613	'
Borrowed funds	72,523	53,903	'
Accrued interest payable	8,234	6,427	'
Carrying Value | Level 3	'	'	'
Financial assets	'	'	'
Loans, held for sale	884	1,615	'
Mortgage servicing rights	560	675	'
Fair value	'	'	'
Financial assets	'	'	'
Securities available for sale at fair value	185,614	185,361	'
Fair value | Level 1	'	'	'
Financial assets	'	'	'
Cash and short term investments	86,386	115,271	'
Fair value | Level 2	'	'	'
Financial assets	'	'	'
Securities held-to-maturity	2,420	2,483	'
FHLB and FRB Stock	3,900	7,308	'
Loans, net	644,729	592,504	'
Accrued interest receivable	2,320	2,199	'
Financial liabilities	'	'	'
Deposits	856,034	858,970	'
Borrowed funds	75,790	59,021	'
Accrued interest payable	8,234	6,427	'
Fair value | Level 3	'	'	'
Financial assets	'	'	'
Loans, held for sale	884	1,615	'
Mortgage servicing rights	$972	$884	'

Earnings_per_Share_Details

Earnings per Share (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Net income (loss)	$1,887	($6,521)	$4,338	($8,653)
Basic weighted-average number of common shares outstanding	16,457,169	16,442,119	16,457,169	16,442,119
Plus: common share equivalents	0	0	0	0
Diluted weighted-average number of common shares outstanding	16,457,169	16,442,119	16,457,169	16,442,119
Earnings per common share:	'	'	'	'
Basic (in dollars per share)	$0.11	($0.40)	$0.26	($0.53)
Diluted (in dollars per share)	$0.11	($0.40)	$0.26	($0.53)
Number of stock options excluded from common share equivalents (in shares)	114,348	114,348	144,470	144,470

Other_Comprehensive_Income_Det

Other Comprehensive Income (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Reclassification adjustment for non-credit-related gains reclassified into net income	$0	$2,345	$0	$2,565
Taxes	278	30	870	33
Net of tax amount	-539	-121	-1,688	-63
Gain On Sale Of Securities [Member]	'	'	'	'
Reclassification adjustment for net gains reclassified into net income	-817	-88	-2,558	-96
Other Than Temporarily Impaired [Member]	'	'	'	'
Reclassification adjustment for non-credit-related gains reclassified into net income	'	2,345	'	2,565
Tax Expense [Member]	'	'	'	'
Taxes	278	-767	870	-840
Net Of Tax [Member]	'	'	'	'
Net of tax amount	($539)	$1,490	($1,688)	$1,629

Other_Comprehensive_Income_Det1

Other Comprehensive Income (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Beginning balance	($1,142)	($449)	$6,698	($3,967)
Other comprehensive (loss) income before reclassifications	-87	4,680	-6,778	8,140
Amounts reclassified from accumulated other comprehensive (loss) income	-539	-121	-1,688	-63
Net other comprehensive (loss) income during the period	-626	4,559	-8,466	8,077
Ending balance	($1,768)	$4,110	($1,768)	$4,110

Related_Party_Transactions_Det

Related Party Transactions (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2012
Outstanding at end of period	$8,300		'
Directors, executive officers and their related parties | Bank	'		'
Outstanding at beginning of the year	33,296		87,442
New loans and advances	38,669		52,242
Repayments / reductions	-38,750		-89,369
Other	-256	[1]	0	[1]
Outstanding at end of period	$32,959		$50,315
[1]	Represents loans to related parties that ceased being related parties during the period.

Related_Party_Transactions_Det1

Related Party Transactions (Details Textual) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Loans and Leases Receivable Related Parties Not Performing In Accordance With Term Of Agreement	$184,000	'	'
Loans and Leases Receivable, Related Parties	8,300,000	'	'
Related Party Transaction, Amount Of Participation Interest	5,200,000	'	'
Related Party Transaction, Amount Of Participation Interest Outstanding	3,300,000	'	'
Related Party Deposit Liabilities	69,000,000	'	66,700,000
Related Party Transactions, Interest Paid On Deposits	55,000	111,000	'
Directors, executive officers and their related parties	'	'	'
Related Party Transactions, Subordinated Debt	10,000,000	'	10,000,000
Related Party Transactions, Interest Paid On Subordinated Debt	0	0	'
Related Party Transactions, Interest Accrued and Unpaid	2,800,000	'	'
Various companies of related parties	'	'	'
Related Party Transaction, Expenses from Transactions with Related Party	$2,400,000	$1,300,000	'

Stock_Compensation_Plans_Detai

Stock Compensation Plans (Details) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Shares, Outstanding at the beginning of the period (in shares)	129,170	188,193
Shares, Granted (in shares)	0	0
Shares, Exercised (in shares)	0	0
Shares, Forfeited (in shares)	-14,822	-43,723
Shares, Outstanding at period end (in shares)	114,348	144,470
Shares, Options exercisable at period end (in shares)	114,348	144,470
Weighted Average Exercise Price, Outstanding at the beginning of the period (in dollars per share)	$14.26	$12.62
Weighted Average Exercise Price, Granted (in dollars per share)	$0	$0
Weighted Average Exercise Price, Exercised (in dollars per share)	$0	$0
Weighted Average Exercise Price, Forfeited (in dollars per share)	$13.81	$7.17
Weighted Average Exercise Price, Outstanding at period end (in dollars per share)	$14.32	$14.27
Weighted Average Exercise Price, Options exercisable at period end (in dollars per share)	$14.32	$14.27
Weighted average fair value of options granted during the period (in dollars per share)	$0	$0
Weighted Average Exercise Price,Stock-based compensation expense	$0	$0

Stock_Compensation_Plans_Detai1

Stock Compensation Plans (Details 1) (USD $)	9 Months Ended
	Sep. 30, 2013
Options Outstanding, Number Outstanding (in shares)	114,348
Options Outstanding, Weighted Average Remaining Contractual Life (in years)	'2 years 8 months 26 days
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$14.32
Options Excercisable, Number Exercisable (in shares)	114,348
Options Excercisable, Weighted Average Exercise Price (in dollars per share)	$14.32
Range Of Exercise Price Dollars 10 To Dollars 23 Per Share [Member]	'
Exercise price, low end of the range (in dollars per share)	$10.01
Exercise price, high end of the range (in dollars per share)	$23.13

Stock_Compensation_Plans_Detai2

Stock Compensation Plans (Details Textual)	9 Months Ended		1 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Aug. 30, 2000	Aug. 30, 2000	Nov. 28, 2012
			Employee Stock Option [Member]	Employee Stock Option [Member]	Employee Stock Option [Member]	Employee Stock Option [Member]
				Employee Stock Incentive Plan [Member]	Directors Stock Option Plans [Member]	Employee Stock Grant Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	'	'	'	1,100,000	550,000	16,000
Share-Based Compensation Arrangement By Share-Based Payment Award, Options, Grants In Period, Gross	0	0	15,050	'	'	'