F & M Bank (FMBM) 10-Q 13 Nov 13 2013 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
	Sep. 30, 2013	Nov. 08, 2013
Document And Entity Information	'	'
Entity Registrant Name	'F&M BANK CORP	'
Entity Central Index Key	'0000740806	'
Document Type	'10-Q	'
Document Period End Date	30-Sep-13	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Is Entity a Well-known Seasoned Issuer?	'No	'
Is Entity a Voluntary Filer?	'No	'
Is Entity's Reporting Status Current?	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	2,510,267
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

Consolidated_Statements_of_Inc

Consolidated Statements of Income (Unaudited) (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 held for investment	$6,320	$6,454	$18,763	$18,941
Interest and fees on loans held for sale	80	531	623	1,127
Interest on federal funds sold	17	3	36	22
Interest on interest bearing deposits	2	1	4	4
Interest on debt securities	39	37	140	147
Total interest income	6,458	7,026	19,566	20,241
Interest expense	'	'	'	'
Interest on demand deposits	198	290	608	954
Interest on savings accounts	29	47	91	149
Interest on time deposits over $100,000	197	225	601	683
Interest on other time deposits	378	502	1,203	1,559
Total interest on deposits	802	1,064	2,503	3,345
Interest on short-term debt	3	15	22	26
Interest on long-term debt	389	494	1,175	1,521
Total interest expense	1,194	1,573	3,700	4,892
Net interest income	5,264	5,453	15,866	15,349
Provision for loan losses	1,000	900	3,025	2,700
Net interest income after provision for loan losses	4,264	4,553	12,841	12,649
Noninterest income	'	'	'	'
Service charges	307	290	845	865
Insurance and other commissions	235	236	704	585
Other	387	360	1,163	970
Income on bank owned life insurance	128	146	380	335
Total noninterest income	1,057	1,032	3,092	2,755
Noninterest expense	'	'	'	'
Salaries	1,670	1,448	4,858	4,326
Employee benefits	521	496	1,631	1,470
Occupancy expense	148	149	468	418
Equipment expense	134	131	404	417
FDIC insurance assessment	180	174	546	536
Other	1,009	1,066	2,923	2,862
Total noninterest expense	3,662	3,464	10,830	10,029
Income before income taxes	1,659	2,121	5,103	5,375
Income tax expense	445	702	1,465	1,630
Consolidated net income	1,214	1,419	3,638	3,745
Net income - Noncontrolling interest	-31	-37	-106	-88
Net Income - F & M Bank Corp	$1,183	$1,382	$3,532	$3,657
Per share data	'	'	'	'
Net income (basic and dilutive)	$0.47	$0.56	$1.41	$1.47
Cash dividends	$0.17	$0.16	$0.51	$0.48
Weighted average shares outstanding	2,503,509	2,497,142	2,501,990	2,495,461

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Consolidated Statements Of Comprehensive Income	'	'	'	'
Net Income - F & M Bank Corp	$1,183	$1,382	$3,532	$3,657
Net Income attributable to noncontrolling interest	31	37	106	88
Total Net Income:	1,214	1,419	3,638	3,745
Unrealized holding gains (losses) on available-for-sale securities:	52	22	-60	39
Reclassification adjustment for (gains) losses realized in income	'	'	'	'
Net unrealized gains (losses)	52	22	-60	39
Tax effect	18	7	-20	13
Unrealized holding gain (loss), net of tax	34	15	-40	26
Total other comprehensive income (loss)	34	15	-40	26
Comprehensive income	$1,248	$1,434	$3,598	$3,771

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets	'	'
Cash and due from banks	$6,964	$7,961
Money market funds	773	1,036
Federal funds sold	24,464	'
Cash and cash equivalents	32,201	8,997
Interest bearing deposits in banks	248	248
Securities:	'	'
Held to maturity - fair value of $107 in 2013 and 2012	107	107
Available for sale	8,305	8,678
Other investments	8,491	10,022
Loans held for sale	2,777	77,207
Loans held for investment	479,212	465,819
Less allowance for loan losses	-8,339	-8,154
Net loans held for investment	470,873	457,665
Other real estate owned	2,369	2,884
Bank premises and equipment, net	6,377	6,445
Interest receivable	1,515	1,702
Goodwill	2,670	2,670
Bank owned life insurance	12,005	11,662
Other assets	8,212	8,617
Total assets	556,150	596,904
Liabilities	'	'
Noninterest bearing	91,060	84,749
Interest bearing:	'	'
Demand	95,054	95,368
Money market accounts	24,033	24,559
Savings	54,831	47,602
Time deposits over $100,000	69,408	68,585
All other time deposits	127,382	132,933
Total deposits	461,768	453,796
Short-term debt	3,480	34,597
Accrued liabilities	12,297	11,222
Subordinated debt	10,191	10,191
Long-term debt	16,678	37,714
Total liabilities	504,414	547,520
Stockholders' Equity	'	'
Common stock, $5 par value, 6,000,000 shares authorized,2,504,207 and 2,497,988 shares issued and outstanding in 2013 and 2012, respectively	12,521	12,498
Retained earnings	41,240	38,927
Noncontrolling interest	417	362
Accumulated other comprehensive loss	-2,442	-2,403
Total stockholders' equity	51,736	49,384
Total liabilities and stockholders' equity	$556,150	$596,904

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified
Assets	'	'
Held to maturity - fair value	$107	$107
STOCKHOLDERS EQUITY:	'	'
Common stock, par value	$5	$5
Common stock shares authorized	6,000,000	6,000,000
Common stock shares issued	2,504,207	2,497,988
Common stock shares outstanding	2,504,207	2,497,988

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities	'	'
Net income	$3,532	$3,657
Adjustments to reconcile net income to net cash provided by (used in) operating activities:	'	'
Depreciation	433	453
Amortization of security premiums, net	28	63
Net decrease (increase) in loans held for sale	74,430	-10,874
Provision for loan losses	3,025	2,700
(Increase) decrease in interest receivable	188	98
(Increase) decrease in other assets	702	1,798
Decrease (increase) in accrued expenses	888	-1,928
Amortization of limited partnership investments	438	394
Income from bank owned life insurance investment	-380	-335
Other real estate owned valuation adjustments	'	295
(Gain) loss on other real estate owned	-4	-66
Net adjustments	79,748	-7,402
Net cash provided by (used in) operating activities	83,280	-3,745
Cash flows from investing activities	'	'
Purchase of investments available for sale	-7,067	-16,196
Proceeds from maturity of investments available for sale	8,446	17,989
Net increase in loans held for investment	-16,239	-9,054
Proceeds from the sale of other real estate owned	525	1,941
Purchase of property and equipment	-365	-527
Net decrease in interest bearing bank deposits	'	677
Purchase of bank owned life insurance	'	-4,064
Net cash used in investing activities	-14,700	-9,234
Cash flows from financing activities	'	'
Net change in demand and savings deposits	12,700	11,162
Net change in time deposits	-4,728	-1,652
Net change in short-term debt	-31,117	17,152
Cash dividends paid	-1,277	-1,198
Proceeds from issuance of common stock	82	82
Repayment of long-term debt	-21,036	-8,964
Net cash used in financing activities	-45,376	16,582
Net increase in Cash and cash equivalents	23,204	3,603
Cash and cash equivalents, beginning of period	8,997	8,994
Cash and cash equivalents, end of period	32,201	12,597
Supplemental disclosure	'	'
Cash paid for Interest expense	2,600	4,727
Cash paid for Income taxes	800	1,200
Transfers from loans to other real estate owned	416	2,058
Other real estate owned sold and financed	$409	'

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Consolidated Statements Of Changes In Stockholders Equity	'	'
Balance, beginning of period	$49,384	$46,180
Comprehensive income	'	'
Net income - F & M Bank Corp	3,532	3,657
Net income attributable to noncontrolling interest	106	88
Net change in unrealized appreciation on securities available for sale, net of taxes	-40	26
Total comprehensive income	3,598	3,771
Minority Interest Contributed Capital (Distributions)	-51	'
Issuance of common stock	82	82
Dividends declared	-1,277	-1,198
Balance, end of period	$51,736	$48,835

1_Accounting_Principles

1. Accounting Principles	9 Months Ended
	Sep. 30, 2013
Accounting Principles	'
1. Accounting Principles	'
	The unaudited consolidated financial statements include the accounts of F & M Bank Corp. and its subsidiaries (the “Company”).  Significant intercompany accounts and transactions have been eliminated in consolidation.
	The unaudited consolidated financial statements conform to accounting principles generally accepted in the United States of America and to general industry practices.  In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting of only normal recurring accruals) necessary to present fairly the financial position as of September 30, 2013 and the results of operations for the quarters and nine-month periods ended September 30, 2013 and 2012.  The notes included herein should be read in conjunction with the notes to financial statements included in the 2012 annual report to stockholders of F & M Bank Corp.
	The Company does not expect the anticipated adoption of any newly issued accounting standards to have a material impact on future operations or financial position.
	Comprehensive Income
	Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and gains or losses on certain derivative contracts, are reported as a separate component of the equity section of the balance sheet. Such items, along with operating net income, are components of comprehensive income.
	Subsequent Events
	In preparing these financial statements, the Company has evaluated events and transactions for potential recognition or disclosure through the date the financial statements were issued.
	Loans
	Loans are carried on the balance sheet net of any unearned interest and the allowance for loan losses.  Interest income on loans is determined using the effective interest method on the daily amount of principal outstanding except where serious doubt exists as to collectability of the loan, in which case the accrual of income is discontinued.
	Allowance for Loan Losses
	The provision for loan losses charged to operations is an amount sufficient to bring the allowance for loan losses to an estimated balance that management considers adequate to absorb potential losses in the portfolio.  Loans are charged against the allowance when management believes the collectability of the principal is unlikely.  Recoveries of amounts previously charged-off are credited to the allowance. Management’s determination of the adequacy of the allowance is based on an evaluation of the composition of the loan portfolio, the value and adequacy of collateral, current economic conditions, historical loan loss experience, and other risk factors.  Management believes that the allowance for loan losses is adequate.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions, particularly those affecting real estate values.  In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses.  Such agencies may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  Impairment is measured on a loan by loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
	Nonaccrual Loans
	Loans are placed on nonaccrual status when they become ninety days or more past due, unless there is an expectation that the loan will either be brought current or paid in full in a reasonable period of time.

2_Investment_Securities

2. Investment Securities	9 Months Ended
	Sep. 30, 2013
Investment Securities	'
2. Investment Securities	'
	Investment securities available for sale are carried in the consolidated balance sheets at their approximate market value, amortized cost and unrealized gains and losses at September 30, 2013 and December 31, 2012 are reflected in the table below.  The amortized costs of investment securities held to maturity are carried in the consolidated balance sheets and their approximate market values at September 30, 2013 and December 31, 2012 are as follows:
			2013					2012
					Market					Market
			Cost		Value			Cost		Value
	Securities held to maturity
	U. S. Treasury and agency obligations		$	107	$	107		$	107	$	107
	Total		$	107	$	107		$	107	$	107
			30-Sep-13
					Unrealized					Market
			Cost		Gains			Losses		Value
	Securities available for sale
	Government sponsored enterprises		$	7,064	$	11		$	13	$	7,062
	Mortgage-backed securities			1,244		-			1		1,243
	Total		$	8,308	$	11		$	14	$	8,305
			31-Dec-12
					Unrealized					Market
			Cost		Gains			Losses		Value
	Securities available for sale
	Government sponsored enterprises		$	7,012	$	19		$	-	$	7,031
	Mortgage-backed securities			1,609		38			-		1,647
	Total		$	8,621	$	57		$	-	$	8,678
	The amortized cost and fair value of securities at September 30, 2013, by contractual maturity are shown below.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
			Securities Held to Maturity					Securities Available for Sale
			Amortized		Fair			Amortized		Fair
			Cost		Value			Cost		Value
	Due in one year or less		$	107	$	107		$	2,000	$	2,000
	Due after one year through five years			-		-			6,308		6,305
	Due after five years			-		-			-		-
	Total		$	107	$	107		$	8,308	$	8,305
	There were no gains and losses on sales of debt and equity securities in the nine months of 2013 or 2012.
	Securities Impairment
	The Company follows the guidance in ASC 320-10 and Staff Accounting Bulletin (SAB) Topic 5M, Other Than Temporary Impairment in evaluating if these impairments are temporary or other than temporary in nature.  This determination is made on an investment by investment basis and includes all available evidence at the time of the determination including the following:
		●	The length of time of impairment;
		●	The extent of the impairment relative to the cost of the investment;
		●	Recent volatility in the market value of the investment;
		●	The financial condition and near-term prospects of the issuer, including any specific events which may impair the earnings potential of the issuer; or
		●	The intent and ability of the Company to hold its investment for a period of time sufficient to allow for any anticipated recovery in market value.
	The following description provides our policies/procedures for the evaluation for Other Than Temporary Impairment (OTTI):
		●	We begin our evaluation using a default position that OTTI has occurred and then use all available evidence to determine whether prospects for the individual security are sufficient to support temporary impairment at the date of the SEC filing. This evaluation will be conducted at each filing date.
		●	For purposes of determining OTTI, the security value recovery period will be projected for a maximum of a two year holding period. This will be the maximum; a shorter period may be used when there are particular conditions related to the individual security which make recovery unlikely.
	The primary focus in determining whether a security is OTTI, and projecting potential recovery, is the prospects for the individual security, rather than broad market indices. All available evidentiary material is considered, including the Company’s public filings with the SEC, press releases, analyst reports, etc.
		●	Secondary consideration is given to historic returns, but only to the extent that this evidence is instructive in determining whether the individual security has shown a history of outperforming (or underperforming) the market (or industry) in prior economic cycles. These factors are only considered when the declines in value are not limited to the individual security, but were prevalent over the broader market. This measure is considered to aid in determining whether OTTI should be recognized earlier, rather than later (i.e. a security which underperforms relative to the industry or market will result in early recognition of OTTI). In no event will OTTI recognition be delayed beyond the two year projection period.
		●	OTTI may be recognized as early as quarter 1, regardless of holding period projections, when there are specific factors relative to the security which make recovery unlikely. These factors could include evidence contained in the aforementioned SEC filings, press releases, analyst reports, but may also be based on the severity of the impairment.
		●	Situations where a security has declined in value more rapidly than the industry (or market), absent strong evidence supporting prospects for recovery, will result in OTTI being recognized in quarter 1 or quarter 2 rather than continuing to evaluate the security over several quarters, based on holding period projections.
		●	Declines determined to be other than temporary are charged to operations; there were no OTTI charges in the first nine months of 2013 or 2012.
	The fair value and gross unrealized losses for securities, segregated by the length of time that individual securities have been in a continuous gross unrealized loss position, at September 30, 2013 and December 31, 2012 were as follows (dollars in thousands):
			Less than 12 Months					More than 12 Months				Total
			Fair		Unrealized Losses			Fair		Unrealized		Fair		Unrealized Losses
			Value					Value		Losses		Value
	30-Sep-13
	Government sponsored enterprises		$	3,230	$	(13	)	$	-	$	-	$	3,230	$	(13	)
	Mortgage-back Securities			1,243		(1	)		-		-		1,243		(1	)
	Total		$	4,473	$	(14	)	$	-	$	-	$	4,473	$	( 14	)
	31-Dec-12
	Government sponsored enterprises		$	2,000	$	(.5	)	$	-	$	-	$	2,000	$	(.5	)
	Total		$	2,000	$	(.5	)	$	-	$	-	$	2,000	$	(.5	)
	Other investments, which consist of stock of correspondent banks and investments in low income housing projects, decreased since December 31, 2012.  This decrease is due to FHLB stock repurchases and amortization of low income housing projects during the 2013.

3_Loans_Held_for_Investment

3. Loans Held for Investment	9 Months Ended
	Sep. 30, 2013
Loans Held For Investment	'
3. Loans Held for Investment	'
	Loans outstanding at September 30, 2013 and December 31, 2012 are summarized as follows:
		2013		2012
	Construction/Land Development	$	68,803	$	71,251
	Farmland		13,063		12,259
	Residential Real Estate		152,024		144,066
	Multi-Family		10,385		9,357
	Commercial Real Estate		118,987		123,819
	Home Equity – closed end		10,684		10,984
	Home Equity – open end		48,875		49,762
	Commercial & Industrial – Non-Real Estate		24,529		25,110
	Consumer		12,561		12,698
	Credit cards		2,493		2,788
	Dealer Finance		16,808		3,725
	Total	$	479,212	$	465,819
	The following is a summary of information pertaining to impaired loans (in thousands):
				Unpaid				Average		Interest
	September  30, 2013	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	6,974	$	6,974	$	-	$	4,938	$	190
	Farmland		1,474		1,474		-		1,183		54
	Residential Real Estate		1,145		1,145		-		1,149		32
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		620		620		-		472		13
	Home Equity – closed end		490		490		-		254		19
	Home Equity – open end		100		100		-		65		3
	Commercial & Industrial – Non-Real Estate		34		34		-		39		-
	Consumer		2		2		-		40		1
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
	Impaired loans with a valuation allowance
	Construction/Land Development		8,412		8,412		1,545		11,339		83
	Farmland		-		-		-		-		-
	Residential Real Estate		487		487		93		1,004		22
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,038		1,038		293		978		-
	Home Equity – closed end		350		350		91		469		-
	Home Equity – open end		-		-		-		73		-
	Commercial & Industrial – Non-Real Estate		-		-		-		356		1
	Consumer		-		-		-		3		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
	Total impaired loans	$	21,126	$	21,126	$	2,022	$	22,362	$	418
	The Recorded Investment is defined as the principal balance less principal payments and charge-offs.
				Unpaid				Average		Interest
	December 31, 2012	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	5,743	$	5,743	$	-	$	1,493	$	279
	Farmland		1,481		1,481		-		301		76
	Residential Real Estate		-		-		-		2,561		-
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		541		541		-		168		23
	Home Equity – closed end		-		-		-		153		-
	Home Equity – open end		-		-		-		274		-
	Commercial & Industrial – Non-Real Estate		-		-		-		56		-
	Consumer		-		-		-		135		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
	Impaired loans with a valuation allowance
	Construction/Land Development		10,466		10,466		1,363		7,875		217
	Farmland		-		-		-		-		-
	Residential Real Estate		901		901		146		1,089		38
Multi-Family		-		-		-		-		-
Commercial Real Estate		1,585		1,585		164		1,092		4
Home Equity – closed end		415		415		117		319		9
Home Equity – open end		250		250		9		193		19
Commercial & Industrial – Non-Real Estate		707		707		277		1,005		-
Consumer		2		2		-		13		-
Credit cards		-		-		-		-		-
Dealer Finance		-		-		-		-		-
Total impaired loans	$	22,091	$	22,091	$	2,146	$	16,727	$	665

4_Allowance_for_Loan_Losses

4. Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2013
Allowance For Loan Losses	'
4. Allowance for Loan Losses	'
	A summary of the allowance for loan losses follows:
	September 30, 2013  (in thousands)	Beginning Balance			Charge-		Recoveries		Provision			Ending Balance			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
					offs
	Allowance for loan losses:
	Construction/Land Development	$	2,771		$	1,679	$	40	$	1,815		$	2,947		$	1,545	$	1,402
	Farmland		(2	)		-		-		-			(2	)		-		(2	)
	Residential Real Estate		924			110		-		116			930			93		837
	Multi-Family		(37	)		-		-		(5	)		(42	)		-		(42	)
	Commercial Real Estate		1,113			201		32		279			1,223			293		930
	Home Equity – closed end		360			24		-		(11	)		325			91		234
	Home Equity – open end		659			68		29		(36	)		584			-		584
	Commercial & Industrial – Non-Real Estate		2,113			790		117		438			1,878			-		1,878
	Consumer		51			116		11		107			53			-		53
	Dealer Finance		72			10		-		263			325			-		325
	Credit Cards		130			84		13		59			118			-		118
	Unallocated		-			-		-		-			-			-		-
	Total	$	8,154		$	3,082	$	242	$	3,025		$	8,339		$	2,022	$	6,317
	December 31, 2012  (in thousands)	Beginning Balance			Charge-		Recoveries		Provision			Ending Balance			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
					offs
	Allowance for loan losses:
	Construction/Land Development	$	2,071		$	1,481	$	192	$	1,989		$	2,771		$	1,363	$	1,408
	Farmland		145			-		3		(150	)		(2	)		-		(2	)
	Residential Real Estate		625			482		-		781			924			146		778
	Multi-Family		92			-		-		(129	)		(37	)		-		(37	)
	Commercial Real Estate		2,285			424		48		(796	)		1,113			164		949
	Home Equity – closed end		91			69		-		338			360			117		243
	Home Equity – open end		867			-		-		(208	)		659			79		580
	Commercial & Industrial – Non-Real Estate		457			776		62		2,370			2,113			277		1,836
	Consumer		128			44		27		(60	)		51			-		51
	Dealer Finance		-			-		-		72			72			-		72
	Credit Cards		176			71		32		(7	)		130			-		130
	Unallocated		-			-		-		-			-			-		-
	Total	$	6,937		$	3,347	$	364	$	4,200		$	8,154		$	2,146	$	6,008
	30-Sep-13	Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development	$	68,803		$	8,412	$	60,391
	Farmland		13,063			-		13,063
	Residential Real Estate		152,024			487		151,537
	Multi-Family		10,385			-		10,385
	Commercial Real Estate		118,987			1,038		117,949
	Home Equity – closed end		10,684			350		10,334
	Home Equity –open end		48,875			-		48,875
	Commercial & Industrial – Non-Real Estate		24,529			-		24,529
	Consumer		12,561			-		12,561
	Dealer Finance		16,808			-		16,808
	Credit Cards		2,493			-		2,493
	Total	$	479,212		$	10,287	$	468,925
	31-Dec-12	Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development	$	71,251		$	16,206	$	55,045
	Farmland		12,259			1,481		10,778
	Residential Real Estate		144,066			901		143,165
	Multi-Family		9,357			-		9,357
	Commercial Real Estate		123,819			2,128		121,691
	Home Equity – closed end		10,984			415		10,569
	Home Equity –open end		49,762			250		49,512
	Commercial & Industrial – Non-Real Estate		25,110			708		24,402
	Consumer		12,698			2		12,696
	Dealer Finance		3,725					3,725
	Credit Cards		2,788			-		2,788
	Total	$	465,819		$	22,091	$	443,728
	Aging of Past Due Loans Receivable (in thousands) as of September 30, 2013
		30-59 Days Past due			60-89 Days Past Due		Greater than 90 Days (excluding non-accrual)		Non-			Total			Current		Total
									Accrual Loans			Past					Loan Receivable
												Due
30-Sep-13
Construction/Land Development	$	2,639		$	78	$	-	$	8,940		$	11,657		$	57,146	$	68,803
Farmland		-			170		-		-			170			12,893		13,063
Residential Real Estate		7,100			1,292		-		650			9,042			142,982		152,024
Multi-Family		-			-		-		-			-			10,385		10,385
Commercial Real Estate		1,013			-		-		1,863			2,876			116,111		118,987
Home Equity – closed end		-			-		10		229			239			10,445		10,684
Home Equity – open end		183			119		-		205			507			48,368		48,875
Commercial & Industrial – Non- Real Estate		6			34		-		409			449			24,080		24,529
Consumer		1,168			17		10		20			1,215			11,346		12,561
Dealer Finance		117			31		-		-			148			16,660		16,808
Credit Cards		17			26		2		-			45			2,448		2,493
Total	$	12,243		$	1,767	$	22	$	12,316		$	26,348		$	452,864	$	479,212
Aging of Past Due Loans Receivable (in thousands) as of December 31, 2012
	30-59 Days Past due			60-89 Days Past Due		Greater than 90 Days (excluding non-accrual)		Non-			Total			Current		Total
								Accrual Loans			Past					Loan Receivable
											Due
31-Dec-12
Construction/Land Development	$	1,173		$	598	$	-	$	7,974		$	9,745		$	61,506	$	71,251
Farmland		1,524			-		-		-			1,524			10,735		12,259
Residential Real Estate		5,032			1,743		-		1,637			8,412			135,654		144,066
Multi-Family		-			-		-		-			-			9,357		9,357
Commercial Real Estate		3,238			124		-		1,823			5,185			118,634		123,819
Home Equity – closed end		199			163		-		196			558			10,426		10,984
Home Equity – open end		370			130		-		544			1,044			48,718		49,762
Commercial & Industrial – Non- Real Estate		635			5		-		1,091			1,731			23,379		25,110
Consumer		62			66		-		121			249			12,449		12,698
Dealer Finance		-			-		-		-			-			3,725		3,725
Credit Cards		10			13		-		-			23			2,765		2,788
Total	$	12,243		$	2,842	$	-	$	13,386		$	28,471		$	437,348	$	465,819
CREDIT QUALITY INDICATORS (in thousands)
AS OF SEPTEMBER 30, 2013
Corporate Credit Exposure
Credit Risk Profile by Creditworthiness Category
	Grade 1			Grade 2		Grade 3		Grade 4 Acceptable Risk			Grade 5 Marginally Acceptable			Grade 6 Watch		Grade 7 Substandard			Grade 8 Doubtful		Total
	Minimal Risk			Modest Risk		Average Risk
Construction/Land Development	$	—		$	816	$	2,879	$	23,113		$	12,094		$	7,837	$	22,064		$	—	$	68,803
Farmland		69			—		1,509		4,907			4,511			494		1,573			—		13,063
Residential Real Estate		—			501		69,358		48,844			18,196			8,508		6,617			—		152,024
Multi-Family		—			686		4,495		772			4,432			—		—			—		10,385
Commercial Real Estate		—			1,656		18,176		57,521			26,768			9,343		5,523			—		118,987
Home Equity – closed end		12			—		4,813		3,110			1,705			300		744			—		10,684
Home Equity – open end		—			1,463		14,604		27,179			4,609			397		623			—		48,875
Commercial & Industrial (Non-Real Estate)		432			40		3,821		15,738			3,458			529		511			—		24,529
Total	$	513		$	5,162	$	119,655	$	181,184		$	75,773		$	27,408	$	37,655		$	—	$	447,350
Consumer Credit Exposure
Credit Risk Profile Based on Payment Activity
	Credit Cards			Consumer
Performing	$	2,491		$	29,359
Non performing		2			10
Total	$	2,493		$	29,369
CREDIT QUALITY INDICATORS (in thousands)
AS OF DECEMBER 31, 2012
Corporate Credit Exposure
Credit Risk Profile by Creditworthiness Category
	Grade 1			Grade 2		Grade 3		Grade 4 Acceptable Risk			Grade 5 Marginally Acceptable			Grade 6		Grade 7 Substandard			Grade 8		Total
	Minimal Risk			Modest Risk		Average Risk								Watch					Doubtful
Construction/Land Development	$	—		$	831	$	4,400	$	16,616		$	15,783		$	9,013	$	24,608		$	—	$	71,251
Farmland		70			—		1,544		4,327			4,214			524		1,580			—		12,259
Residential Real Estate		—			448		36,342		69,670			22,413			6,472		8,721			—		144,066
Multi-Family		—			632		2,185		1,815			4,725			—		—			—		9,357
Commercial Real Estate		—			2,033		18,663		56,624			28,650			4,910		12,939			—		123,819
Home Equity – closed end		—			—		2,280		6,198			1,268			530		708			—		10,984
Home Equity – open end		—			1,460		15,294		26,595			4,735			694		869			115		49,762
Commercial & Industrial (Non-Real Estate)		—			87		3,505		15,448			3,621			531		1,918			—		25,110
Total	$	70		$	5,491	$	84,213	$	197,293		$	85,409		$	22,674	$	51,343		$	115	$	446,608
Consumer Credit Exposure
Credit Risk Profile Based on Payment Activity
	Credit Cards			Consumer
Performing	$	2,788		$	16,404
Non performing		-			19
Total	$	2,788		$	16,423
Description of loan grades:
Grade 1 – Minimal Risk:   Excellent credit, superior asset quality, excellent debt capacity and coverage, and recognized management capabilities.
Grade 2 – Modest Risk:  Borrower consistently generates sufficient cash flow to fund debt service, excellent credit, above average asset quality and liquidity.
Grade 3 – Average Risk:  Borrower generates sufficient cash flow to fund debt service.  Employment (or business) is stable with good future trends.  Credit is very good.
Grade 4 – Acceptable Risk:  Borrower’s cash flow is adequate to cover debt service; however, unusual expenses or capital expenses must be covered through additional long term debt.  Employment (or business) stability is reasonable, but future trends may exhibit slight weakness. Credit history is good. No unpaid judgments or collection items appearing on credit report.
Grade 5 – Marginally acceptable:  Credit to borrowers who may exhibit declining earnings, may have leverage that is materially above industry averages, liquidity may be marginally acceptable.  Employment or business stability may be weak or deteriorating.  May be currently performing as agreed, but would be adversely affected by developing factors such as layoffs, illness, reduced hours or declining business prospects.  Credit history shows weaknesses, past dues, paid or disputed collections and judgments, but does not include borrowers that are currently past due on obligations or with unpaid, undisputed judgments.
Grade 6 – Watch:  Loans are currently protected, but are weak due to negative balance sheet or income statement trends.  There may be a lack of effective control over collateral or the existence of documentation deficiencies.  These loans have potential weaknesses that deserve management’s close attention.  Other reasons supporting this classification include adverse economic or market conditions, pending litigation or any other material weakness.  Existing loans that become 60 or more days past due are placed in this category pending a return to current status.
Grade 7 – Substandard: Loans having well-defined weaknesses where a payment default and or loss is possible, but not yet probable.  Cash flow is inadequate to service the debt under the current payment, or terms, with prospects that the condition is permanent.  Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the borrower and there is the likelihood that collateral will have to be liquidated and/or guarantor(s) called upon to repay the debt.  Generally, the loan is considered collectible as to both principal and interest, primarily because of collateral coverage, however, if the deficiencies are not corrected quickly; there is a probability of loss.
Grade 8 – Doubtful:  The loan has all the characteristics of a substandard credit, but available information indicates it is unlikely the loan will be repaid in its entirety.  Cash flow is insufficient to service the debt.  It may be difficult to project the exact amount of loss, but the probability of some loss is great.  Loans are to be placed on non-accrual status when any portion is classified doubtful.

5_Employee_Benefit_Plan

5. Employee Benefit Plan	9 Months Ended
	Sep. 30, 2013
Employee Benefit Plan	'
5. Employee Benefit Plan	'
	The Bank has a qualified noncontributory defined benefit pension plan that covers substantially all of its employees.  The benefits are primarily based on years of service and earnings.  The Bank contributed $750,000 to the plan in the first quarter of 2013 and does not anticipate additional contributions for the 2013 plan year.  The following is a summary of net periodic pension costs for the nine-month and three-month periods ended September 30, 2013 and 2012.
		Nine Months Ended						Three Months Ended
		30-Sep-13			30-Sep-12			September 30, 2013			30-Sep-12
	Service cost	$	449,949		$	388,977		$	149,983		$	129,659
	Interest cost		262,734			245,943			87,578			81,981
	Expected return on plan assets		(477,060	)		(405,051	)		(159,020	)		(135,017	)
	Amortization of net obligation at transition		-			-			-			-
	Amortization of prior service cost		(11,427	)		(11,427	)		(3,809	)		(3,809	)
	Amortization of net (gain) or loss		152,388			129,915			50,796			43,305
	Net periodic pension cost	$	376,584		$	348,357		$	125,528		$	116,119

6_Fair_Value

6. Fair Value	9 Months Ended
	Sep. 30, 2013
Fair Value	'
6. Fair Value	'
	Accounting Standards Codification (ASC) 820, defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows:
	Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.
	Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.
	Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement.
	The following sections provide a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy:
	Securities: Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy.
	Loans Held for Sale:  Loans held for sale are short-term loans purchased at par for resale to investors at the par value of the loan.  These loans are generally repurchased within 15 days.  Because of the short-term nature and fixed repurchased price, the book value of these loans approximates fair value.
	Impaired Loans: ASC 820 applies to loans measured for impairment using the practical expedients permitted by ASC 310 including impaired loans measured at an observable market price (if available), or at the fair value of the loan’s collateral (if the loan is collateral dependent). Fair value of the loan’s collateral, when the loan is dependent on collateral, is determined by appraisals or independent valuation which is then adjusted for the cost related to liquidation of the collateral.
	Other Real Estate Owned: Certain assets such as other real estate owned (OREO) are measured at the lower of carrying amount or fair value less cost to sell. We believe that the fair value component in its valuation follows the provisions of ASC 820.
	Derivative Financial Instruments: The equity derivative contracts are purchased as part of our Indexed Certificate of Deposit (ICD) program and are an offset of an asset and liability.  ICD values are measured on the S&P 500 Index.
	Assets and Liabilities Recorded at Fair Value on a Recurring Basis
	The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis.
	30-Sep-13	Total		Level 1		Level 2		Level 3
	Government sponsored enterprises	$	7,062	$	-	$	7,062	$	-
	Mortgage-backed obligations of federal agencies		1,243		-		1,243		-
	Investment securities available for sale	$	8,305	$	-		8,305	$	-
	Total assets at fair value	$	8,305	$	-	$	8,305	$	-
	Total liabilities at fair value	$	-	$	-	$	-	$	-
	Derivative financial instruments at fair value	$	28	$	-	$	28	$	-
	31-Dec-12	Total		Level 1		Level 2		Level 3
	Government sponsored enterprises	$	7,031	$	-	$	7,031	$	-
	Mortgage-backed obligations of federal agencies		1,647		-		1,647		-
	Investment securities available for sale		8,678		-		8,678		-
	Total assets at fair value	$	8,678	$	-	$	8,678	$	-
	Total liabilities at fair value	$	-	$	-	$	-	$	-
	Derivative financial instruments at fair value	$	15	$	-	$	15	$	-
	Assets and Liabilities Recorded at Fair Value on a Non-recurring Basis
	30-Sep-13	Total		Level 1		Level 2		Level 3
	Loans Held for Sale	$	2,777	$	-	$	2,777	$	-
	Other Real Estate Owned		2,369		-		-		2,369
					-		-
	Construction/Land Development		6,867		-		-		6,867
	Farmland		-		-		-		-
	Residential Real Estate		394		-		-		394
	Multi-Family		-		-		-		-
	Commercial Real Estate		745		-		-		745
	Home Equity – closed end		259		-		-		259
	Home Equity – open end		-		-		-		-
	Commercial & Industrial – Non-Real Estate		-		-		-		-
	Consumer		-		-		-		-
	Credit cards		-		-		-		-
	Dealer Finance		-		-		-		-
	Total Impaired loans		8,265		-		-		8,265
	Total assets at fair value	$	13,411	$	-	$	2,777	$	10,634
	Total liabilities at fair value	$	-	$	-	$	-	$	-
	31-Dec-12	Total		Level 1		Level 2		Level 3
	Loans Held for Sale	$	77,207	$	-	$	77,207	$	-
	Other Real Estate Owned		2,884		-		-		2,884
					-		-
	Construction/Land Development		9,100		-		-		9,100
	Farmland		-		-		-		-
	Residential Real Estate		756		-		-		756
	Multi-Family		-		-		-		-
	Commercial Real Estate		1,422		-		-		1,422
	Home Equity – closed end		298		-		-		298
	Home Equity – open end		171		-		-		171
	Commercial & Industrial – Non-Real Estate		431		-		-		431
	Consumer		2		-		-		2
	Credit cards		-		-		-		-
	Dealer Finance		-		-		-		-
	Total Impaired loans		12,180		-		-		12,180
	Total assets at fair value	$	92,271	$	-	$	77,207	$	15,064
	Total liabilities at fair value	$	-	$	-	$	-	$	-

7_Disclosures_About_Fair_Value

7. Disclosures About Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 2013
Disclosures About Fair Value Of Financial Instruments	'
7. Disclosures About Fair Value of Financial Instruments	'
	ASC 825 “Financial Instruments” defines the fair value of a financial instrument as the amount at which a financial instrument could be exchanged in a current transaction between willing parties, other than in a forced liquidation or sale.  As the majority of the Bank’s financial instruments lack an available trading market, significant estimates, assumptions and present value calculations are required to determine estimated fair value.  The following presents the carrying amount, fair value and placement in the fair value hierarchy of the Company’s financial instruments as of September 30, 2013 and December 31, 2012.  This table excludes financial instruments for which the carrying amount approximates the fair value, which would be Level 1; inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. All financial instruments below are considered Level 2; inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.
		30-Sep-13				31-Dec-12
		Estimated		Carrying		Estimated		Carrying
		Fair Value		Value		Fair Value		Value
	Financial Assets
	Loans	$	510,244	$	479,212	$	488,164	$	465,819
	Financial Liabilities
	Time deposits	$	198,678	$	196,790	$	203,539	$	201,518
	Long-term debt	$	17,996	$	16,679	$	39,551	$	37,714
	The carrying value of cash and cash equivalents, other investments, deposits with no stated maturities, short-term borrowings, and accrued interest approximate fair value. The fair value of securities was calculated using the most recent transaction price or a pricing model, which takes into consideration maturity, yields and quality.  The remaining financial instruments were valued based on the present value of estimated future cash flows, discounted at various rates in effect for similar instruments entered into as of the end of each respective period shown above.

8_Troubled_Debt_Restructuring

8. Troubled Debt Restructuring	9 Months Ended
	Sep. 30, 2013
Troubled Debt Restructuring	'
8. Troubled Debt Restructuring	'
	In the determination of the allowance for loan losses, management considers troubled debt restructurings and subsequent defaults in these restructurings by adjusting the loan grades of such loans, which figure into the environmental factors associated with the allowance. Defaults resulting in charge-offs affect the historical loss experience ratios which are a component of the allowance calculation. Additionally, specific reserves may be established on restructured loans evaluated individually.
	During the nine months and quarter ended, September 30, 2013, there was one real estate loan modification that was considered to be troubled debt restructuring. The pre-modification and post-modification outstanding recorded investment of those loans was $50,000.  There were also no troubled debt restructurings from the previous twelve months that went into default in the nine months and quarter ended September 30, 2013.  A restructured loan is considered in default when it becomes 90 days past due.
	During the nine months and quarter ended, September 30, 2012, the Bank modified 2 real estate loans that were considered to be troubled debt restructurings.  The pre-modification and post-modification outstanding recorded investment of those loans was $492,000.  There were no troubled debt restructurings from the preceding twelve months that went into default in the nine months and quarter ended September 30, 2012.
	Modifications may have included rate adjustments, revisions to amortization schedules, suspension of principal payments for a temporary period, re-advancing funds to be applied as payments to bring the loan(s) current, or any combination thereof.

1_Accounting_Principles_Polici

1. Accounting Principles (Policies)	9 Months Ended
	Sep. 30, 2013
Accounting Principles Policies	'
Accounting Principles	'
	The unaudited consolidated financial statements include the accounts of F & M Bank Corp. and its subsidiaries (the “Company”).  Significant intercompany accounts and transactions have been eliminated in consolidation.
	The unaudited consolidated financial statements conform to accounting principles generally accepted in the United States of America and to general industry practices.  In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting of only normal recurring accruals) necessary to present fairly the financial position as of September 30, 2013 and the results of operations for the quarters and nine-month periods ended September 30, 2013 and 2012.  The notes included herein should be read in conjunction with the notes to financial statements included in the 2012 annual report to stockholders of F & M Bank Corp.
	The Company does not expect the anticipated adoption of any newly issued accounting standards to have a material impact on future operations or financial position.
Comprehensive Income	'
	Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and gains or losses on certain derivative contracts, are reported as a separate component of the equity section of the balance sheet. Such items, along with operating net income, are components of comprehensive income.
Subsequent Events	'
	In preparing these financial statements, the Company has evaluated events and transactions for potential recognition or disclosure through the date the financial statements were issued.
Loans	'
	Loans are carried on the balance sheet net of any unearned interest and the allowance for loan losses.  Interest income on loans is determined using the effective interest method on the daily amount of principal outstanding except where serious doubt exists as to collectability of the loan, in which case the accrual of income is discontinued.
Allowance for Loan Losses	'
	The provision for loan losses charged to operations is an amount sufficient to bring the allowance for loan losses to an estimated balance that management considers adequate to absorb potential losses in the portfolio.  Loans are charged against the allowance when management believes the collectability of the principal is unlikely.  Recoveries of amounts previously charged-off are credited to the allowance. Management’s determination of the adequacy of the allowance is based on an evaluation of the composition of the loan portfolio, the value and adequacy of collateral, current economic conditions, historical loan loss experience, and other risk factors.  Management believes that the allowance for loan losses is adequate.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions, particularly those affecting real estate values.  In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses.  Such agencies may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  Impairment is measured on a loan by loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
Nonaccrual Loans	'
	Loans are placed on nonaccrual status when they become ninety days or more past due, unless there is an expectation that the loan will either be brought current or paid in full in a reasonable period of time.

2_Investment_Securities_Tables

2. Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2013
Investment Securities Tables	'
Securities Impairment	'
		2013					2012
				Market					Market
		Cost		Value			Cost		Value
	Securities held to maturity
	U. S. Treasury and agency obligations	$	107	$	107		$	107	$	107
	Total	$	107	$	107		$	107	$	107
		30-Sep-13
				Unrealized					Market
		Cost		Gains			Losses		Value
	Securities available for sale
	Government sponsored enterprises	$	7,064	$	11		$	13	$	7,062
	Mortgage-backed securities		1,244		-			1		1,243
	Total	$	8,308	$	11		$	14	$	8,305
		31-Dec-12
				Unrealized					Market
		Cost		Gains			Losses		Value
	Securities available for sale
	Government sponsored enterprises	$	7,012	$	19		$	-	$	7,031
	Mortgage-backed securities		1,609		38			-		1,647
	Total	$	8,621	$	57		$	-	$	8,678
Schedule Amortized Cost and Fair Value for Securities	'
		Securities Held to Maturity					Securities Available for Sale
		Amortized		Fair			Amortized		Fair
		Cost		Value			Cost		Value
	Due in one year or less	$	107	$	107		$	2,000	$	2,000
	Due after one year through five years		-		-			6,308		6,305
	Due after five years		-		-			-		-
	Total	$	107	$	107		$	8,308	$	8,305
Schedule of Securities with Unrealized Losses	'
		Less than 12 Months					More than 12 Months				Total
		Fair		Unrealized Losses			Fair		Unrealized Losses		Fair		Unrealized Losses
		Value					Value				Value
	30-Sep-13
	Government sponsored enterprises	$	3,230	$	(13	)	$	-	$	-	$	3,230	$	(13	)
	Mortgage-back Securities		1,243		(1	)		-		-		1,243		(1	)
	Total	$	4,473	$	(14	)	$	-	$	-	$	4,473	$	( 14	)
	31-Dec-12
	Government sponsored enterprises	$	2,000	$	(.5	)	$	-	$	-	$	2,000	$	(.5	)
	Total	$	2,000	$	(.5	)	$	-	$	-	$	2,000	$	(.5	)

3_Loans_Held_for_Investment_Ta

3. Loans Held for Investment (Tables)	9 Months Ended
	Sep. 30, 2013
Loans Held For Investment Tables	'
Schedule of Loans Outstanding	'
	Loans outstanding at September 30, 2013 and December 31, 2012 are summarized as follows:
		2013		2012
	Construction/Land Development	$	68,803	$	71,251
	Farmland		13,063		12,259
	Residential Real Estate		152,024		144,066
	Multi-Family		10,385		9,357
	Commercial Real Estate		118,987		123,819
	Home Equity – closed end		10,684		10,984
	Home Equity – open end		48,875		49,762
	Commercial & Industrial – Non-Real Estate		24,529		25,110
	Consumer		12,561		12,698
	Credit cards		2,493		2,788
	Dealer Finance		16,808		3,725
	Total	$	479,212	$	465,819
Schedule Impaired Loans	'
	The following is a summary of information pertaining to impaired loans (in thousands):
				Unpaid				Average		Interest
	September  30, 2013	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	6,974	$	6,974	$	-	$	4,938	$	190
	Farmland		1,474		1,474		-		1,183		54
	Residential Real Estate		1,145		1,145		-		1,149		32
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		620		620		-		472		13
	Home Equity – closed end		490		490		-		254		19
	Home Equity – open end		100		100		-		65		3
	Commercial & Industrial – Non-Real Estate		34		34		-		39		-
	Consumer		2		2		-		40		1
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
	Impaired loans with a valuation allowance
	Construction/Land Development		8,412		8,412		1,545		11,339		83
	Farmland		-		-		-		-		-
	Residential Real Estate		487		487		93		1,004		22
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,038		1,038		293		978		-
	Home Equity – closed end		350		350		91		469		-
	Home Equity – open end		-		-		-		73		-
	Commercial & Industrial – Non-Real Estate		-		-		-		356		1
	Consumer		-		-		-		3		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
	Total impaired loans	$	21,126	$	21,126	$	2,022	$	22,362	$	418
Recorded Investment	'
	The Recorded Investment is defined as the principal balance less principal payments and charge-offs.
				Unpaid				Average		Interest
	December 31, 2012	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	5,743	$	5,743	$	-	$	1,493	$	279
	Farmland		1,481		1,481		-		301		76
	Residential Real Estate		-		-		-		2,561		-
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		541		541		-		168		23
	Home Equity – closed end		-		-		-		153		-
	Home Equity – open end		-		-		-		274		-
	Commercial & Industrial – Non-Real Estate		-		-		-		56		-
	Consumer		-		-		-		135		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
	Impaired loans with a valuation allowance
	Construction/Land Development		10,466		10,466		1,363		7,875		217
	Farmland		-		-		-		-		-
	Residential Real Estate		901		901		146		1,089		38
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,585		1,585		164		1,092		4
	Home Equity – closed end		415		415		117		319		9
	Home Equity – open end		250		250		9		193		19
	Commercial & Industrial – Non-Real Estate		707		707		277		1,005		-
	Consumer		2		2		-		13		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
	Total impaired loans	$	22,091	$	22,091	$	2,146	$	16,727	$	665

4_Allowance_for_Loan_Losses_Ta

4. Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2013
Allowance For Loan Losses Tables	'
Summary Loan Loss Allowance Transactions	'
	A summary of the allowance for loan losses follows:
	September 30, 2013  (in thousands)	Beginning Balance			Charge-		Recoveries		Provision			Ending Balance			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
					offs
	Allowance for loan losses:
	Construction/Land Development	$	2,771		$	1,679	$	40	$	1,815		$	2,947		$	1,545	$	1,402
	Farmland		(2	)		-		-		-			(2	)		-		(2	)
	Residential Real Estate		924			110		-		116			930			93		837
	Multi-Family		(37	)		-		-		(5	)		(42	)		-		(42	)
	Commercial Real Estate		1,113			201		32		279			1,223			293		930
	Home Equity – closed end		360			24		-		(11	)		325			91		234
	Home Equity – open end		659			68		29		(36	)		584			-		584
	Commercial & Industrial – Non-Real Estate		2,113			790		117		438			1,878			-		1,878
	Consumer		51			116		11		107			53			-		53
	Dealer Finance		72			10		-		263			325			-		325
	Credit Cards		130			84		13		59			118			-		118
	Unallocated		-			-		-		-			-			-		-
	Total	$	8,154		$	3,082	$	242	$	3,025		$	8,339		$	2,022	$	6,317
	December 31, 2012  (in thousands)	Beginning Balance			Charge-		Recoveries		Provision			Ending Balance			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
					offs
	Allowance for loan losses:
	Construction/Land Development	$	2,071		$	1,481	$	192	$	1,989		$	2,771		$	1,363	$	1,408
	Farmland		145			-		3		(150	)		(2	)		-		(2	)
	Residential Real Estate		625			482		-		781			924			146		778
	Multi-Family		92			-		-		(129	)		(37	)		-		(37	)
	Commercial Real Estate		2,285			424		48		(796	)		1,113			164		949
	Home Equity – closed end		91			69		-		338			360			117		243
	Home Equity – open end		867			-		-		(208	)		659			79		580
	Commercial & Industrial – Non-Real Estate		457			776		62		2,370			2,113			277		1,836
	Consumer		128			44		27		(60	)		51			-		51
	Dealer Finance		-			-		-		72			72			-		72
	Credit Cards		176			71		32		(7	)		130			-		130
	Unallocated		-			-		-		-			-			-		-
	Total	$	6,937		$	3,347	$	364	$	4,200		$	8,154		$	2,146	$	6,008
Recorded Investment in Loan Receivables	'
	Recorded Investment in Loan Receivables (in thousands)
	30-Sep-13	Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development	$	68,803		$	8,412	$	60,391
	Farmland		13,063			-		13,063
	Residential Real Estate		152,024			487		151,537
	Multi-Family		10,385			-		10,385
	Commercial Real Estate		118,987			1,038		117,949
	Home Equity – closed end		10,684			350		10,334
	Home Equity –open end		48,875			-		48,875
	Commercial & Industrial – Non-Real Estate		24,529			-		24,529
	Consumer		12,561			-		12,561
	Dealer Finance		16,808			-		16,808
	Credit Cards		2,493			-		2,493
	Total	$	479,212		$	10,287	$	468,925
	31-Dec-12	Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development	$	71,251		$	16,206	$	55,045
	Farmland		12,259			1,481		10,778
	Residential Real Estate		144,066			901		143,165
	Multi-Family		9,357			-		9,357
	Commercial Real Estate		123,819			2,128		121,691
	Home Equity – closed end		10,984			415		10,569
	Home Equity –open end		49,762			250		49,512
	Commercial & Industrial – Non-Real Estate		25,110			708		24,402
	Consumer		12,698			2		12,696
	Dealer Finance		3,725					3,725
	Credit Cards		2,788			-		2,788
	Total	$	465,819		$	22,091	$	443,728
Schedule of Aging of Past Due Receivables	'
	Aging of Past Due Loans Receivable (in thousands) as of September 30, 2013
		30-59 Days Past due			60-89 Days Past Due		Greater than 90 Days (excluding non-accrual)		Non-			Total			Current		Total
									Accrual Loans			Past					Loan Receivable
												Due
	30-Sep-13
	Construction/Land Development	$	2,639		$	78	$	-	$	8,940		$	11,657		$	57,146	$	68,803
	Farmland		-			170		-		-			170			12,893		13,063
	Residential Real Estate		7,100			1,292		-		650			9,042			142,982		152,024
	Multi-Family		-			-		-		-			-			10,385		10,385
	Commercial Real Estate		1,013			-		-		1,863			2,876			116,111		118,987
	Home Equity – closed end		-			-		10		229			239			10,445		10,684
	Home Equity – open end		183			119		-		205			507			48,368		48,875
	Commercial & Industrial – Non- Real Estate		6			34		-		409			449			24,080		24,529
	Consumer		1,168			17		10		20			1,215			11,346		12,561
	Dealer Finance		117			31		-		-			148			16,660		16,808
	Credit Cards		17			26		2		-			45			2,448		2,493
	Total	$	12,243		$	1,767	$	22	$	12,316		$	26,348		$	452,864	$	479,212
	Aging of Past Due Loans Receivable (in thousands) as of December 31, 2012
		30-59 Days Past due			60-89 Days Past Due		Greater than 90 Days (excluding non-accrual)		Non-			Total			Current		Total
									Accrual Loans			Past					Loan Receivable
												Due
	31-Dec-12
	Construction/Land Development	$	1,173		$	598	$	-	$	7,974		$	9,745		$	61,506	$	71,251
	Farmland		1,524			-		-		-			1,524			10,735		12,259
	Residential Real Estate		5,032			1,743		-		1,637			8,412			135,654		144,066
	Multi-Family		-			-		-		-			-			9,357		9,357
	Commercial Real Estate		3,238			124		-		1,823			5,185			118,634		123,819
	Home Equity – closed end		199			163		-		196			558			10,426		10,984
	Home Equity – open end		370			130		-		544			1,044			48,718		49,762
	Commercial & Industrial – Non- Real Estate		635			5		-		1,091			1,731			23,379		25,110
	Consumer		62			66		-		121			249			12,449		12,698
	Dealer Finance		-			-		-		-			-			3,725		3,725
	Credit Cards		10			13		-		-			23			2,765		2,788
	Total	$	12,243		$	2,842	$	-	$	13,386		$	28,471		$	437,348	$	465,819
Corporate Credit Exposure	'
	CREDIT QUALITY INDICATORS (in thousands)
	AS OF SEPTEMBER 30, 2013
	Corporate Credit Exposure
	Credit Risk Profile by Creditworthiness Category
		Grade 1			Grade 2		Grade 3		Grade 4 Acceptable Risk			Grade 5 Marginally Acceptable			Grade 6		Grade 7 Substandard			Grade 8 Doubtful		Total
		Minimal Risk			Modest Risk		Average Risk								Watch
	Construction/Land Development	$	—		$	816	$	2,879	$	23,113		$	12,094		$	7,837	$	22,064		$	—	$	68,803
	Farmland		69			—		1,509		4,907			4,511			494		1,573			—		13,063
	Residential Real Estate		—			501		69,358		48,844			18,196			8,508		6,617			—		152,024
	Multi-Family		—			686		4,495		772			4,432			—		—			—		10,385
	Commercial Real Estate		—			1,656		18,176		57,521			26,768			9,343		5,523			—		118,987
	Home Equity – closed end		12			—		4,813		3,110			1,705			300		744			—		10,684
	Home Equity – open end		—			1,463		14,604		27,179			4,609			397		623			—		48,875
	Commercial & Industrial (Non-Real Estate)		432			40		3,821		15,738			3,458			529		511			—		24,529
	Total	$	513		$	5,162	$	119,655	$	181,184		$	75,773		$	27,408	$	37,655		$	—	$	447,350
	CREDIT QUALITY INDICATORS (in thousands)
	AS OF DECEMBER 31, 2012
	Corporate Credit Exposure
	Credit Risk Profile by Creditworthiness Category
		Grade 1			Grade 2		Grade 3		Grade 4 Acceptable Risk			Grade 5 Marginally Acceptable			Grade 6		Grade 7 Substandard			Grade 8		Total
		Minimal Risk			Modest Risk		Average Risk								Watch					Doubtful
	Construction/Land Development	$	—		$	831	$	4,400	$	16,616		$	15,783		$	9,013	$	24,608		$	—	$	71,251
	Farmland		70			—		1,544		4,327			4,214			524		1,580			—		12,259
	Residential Real Estate		—			448		36,342		69,670			22,413			6,472		8,721			—		144,066
	Multi-Family		—			632		2,185		1,815			4,725			—		—			—		9,357
	Commercial Real Estate		—			2,033		18,663		56,624			28,650			4,910		12,939			—		123,819
	Home Equity – closed end		—			—		2,280		6,198			1,268			530		708			—		10,984
	Home Equity – open end		—			1,460		15,294		26,595			4,735			694		869			115		49,762
	Commercial & Industrial (Non-Real Estate)		—			87		3,505		15,448			3,621			531		1,918			—		25,110
	Total	$	70		$	5,491	$	84,213	$	197,293		$	85,409		$	22,674	$	51,343		$	115	$	446,608
Consumer Credit Exposure	'
	CREDIT QUALITY INDICATORS (in thousands)
	AS OF SEPTEMBER 30, 2013
	Consumer Credit Exposure
	Credit Risk Profile Based on Payment Activity
		Credit Cards			Consumer
	Performing	$	2,491		$	29,359
	Non performing		2			10
	Total	$	2,493		$	29,369
	CREDIT QUALITY INDICATORS (in thousands)
	AS OF DECEMBER 31, 2012
	Consumer Credit Exposure
	Credit Risk Profile Based on Payment Activity
		Credit Cards			Consumer
	Performing	$	2,788		$	16,404
	Non performing		-			19
	Total	$	2,788		$	16,423

5_Employee_Benefit_Plan_Tables

5. Employee Benefit Plan (Tables)	9 Months Ended
	Sep. 30, 2013
Employee Benefit Plan Tables	'
Schedule of Employee Benefit Plan	'
		Nine Months Ended						Three Months Ended
		30-Sep-13			30-Sep-12			September 30, 2013			30-Sep-12
	Service cost	$	449,949		$	388,977		$	149,983		$	129,659
	Interest cost		262,734			245,943			87,578			81,981
	Expected return on plan assets		(477,060	)		(405,051	)		(159,020	)		(135,017	)
	Amortization of net obligation at transition		-			-			-			-
	Amortization of prior service cost		(11,427	)		(11,427	)		(3,809	)		(3,809	)
	Amortization of net (gain) or loss		152,388			129,915			50,796			43,305
	Net periodic pension cost	$	376,584		$	348,357		$	125,528		$	116,119

6_Fair_Value_Tables

6. Fair Value (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Tables	'
Schedule Assets and Liabilities at Fair Value on Recurring Basis	'
	Assets and Liabilities Recorded at Fair Value on a Recurring Basis
	The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis.
	30-Sep-13	Total		Level 1		Level 2		Level 3
	Government sponsored enterprises	$	7,062	$	-	$	7,062	$	-
	Mortgage-backed obligations of federal agencies		1,243		-		1,243		-
	Investment securities available for sale	$	8,305	$	-		8,305	$	-
	Total assets at fair value	$	8,305	$	-	$	8,305	$	-
	Total liabilities at fair value	$	-	$	-	$	-	$	-
	Derivative financial instruments at fair value	$	28	$	-	$	28	$	-
	31-Dec-12	Total		Level 1		Level 2		Level 3
	Government sponsored enterprises	$	7,031	$	-	$	7,031	$	-
	Mortgage-backed obligations of federal agencies		1,647		-		1,647		-
	Investment securities available for sale		8,678		-		8,678		-
	Total assets at fair value	$	8,678	$	-	$	8,678	$	-
	Total liabilities at fair value	$	-	$	-	$	-	$	-
	Derivative financial instruments at fair value	$	15	$	-	$	15	$	-
Schedule of Assets and Liabilities at Fair Value on Non-recurring Basis	'
	Assets and Liabilities Recorded at Fair Value on a Non-recurring Basis
	30-Sep-13	Total		Level 1		Level 2		Level 3
	Loans Held for Sale	$	2,777	$	-	$	2,777	$	-
	Other Real Estate Owned		2,369		-		-		2,369
					-		-
	Construction/Land Development		6,867		-		-		6,867
	Farmland		-		-		-		-
	Residential Real Estate		394		-		-		394
	Multi-Family		-		-		-		-
	Commercial Real Estate		745		-		-		745
	Home Equity – closed end		259		-		-		259
	Home Equity – open end		-		-		-		-
	Commercial & Industrial – Non-Real Estate		-		-		-		-
	Consumer		-		-		-		-
	Credit cards		-		-		-		-
	Dealer Finance		-		-		-		-
	Total Impaired loans		8,265		-		-		8,265
	Total assets at fair value	$	13,411	$	-	$	2,777	$	10,634
	Total liabilities at fair value	$	-	$	-	$	-	$	-
	31-Dec-12	Total		Level 1		Level 2		Level 3
	Loans Held for Sale	$	77,207	$	-	$	77,207	$	-
	Other Real Estate Owned		2,884		-		-		2,884
					-		-
	Construction/Land Development		9,100		-		-		9,100
	Farmland		-		-		-		-
	Residential Real Estate		756		-		-		756
	Multi-Family		-		-		-		-
	Commercial Real Estate		1,422		-		-		1,422
	Home Equity – closed end		298		-		-		298
	Home Equity – open end		171		-		-		171
	Commercial & Industrial – Non-Real Estate		431		-		-		431
	Consumer		2		-		-		2
	Credit cards		-		-		-		-
	Dealer Finance		-		-		-		-
	Total Impaired loans		12,180		-		-		12,180
	Total assets at fair value	$	92,271	$	-	$	77,207	$	15,064
	Total liabilities at fair value	$	-	$	-	$	-	$	-

7_Disclosures_About_Fair_Value1

7. Disclosures About Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2013
Disclosures About Fair Value Of Financial Instruments Tables	'
Carrying Value and Estimated Fair Value for Financial Instruments	'
		30-Sep-13				31-Dec-12
		Estimated		Carrying		Estimated		Carrying
		Fair Value		Value		Fair Value		Value
	Financial Assets
	Loans	$	510,244	$	479,212	$	488,164	$	465,819
	Financial Liabilities
	Time deposits	$	198,678	$	196,790	$	203,539	$	201,518
	Long-term debt	$	17,996	$	16,679	$	39,551	$	37,714

2_Investment_Securities_Detail

2. Investment Securities (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Available-for-Sale Securities	'	'
Amortized Cost	$8,308	$8,621
Gross Unrealized Gains	11	57
Gross Unrealized Losses	14	'
Market Value	8,305	8,678
Held-to-Maturity Securities	'	'
Amortized Cost - Held-to-Maturity	107	107
Market Value - Held-to-Maturity	107	107
US Treasury [Member]	'	'
Held-to-Maturity Securities	'	'
Amortized Cost - Held-to-Maturity	107	107
Market Value - Held-to-Maturity	107	107
US Govt [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	7,064	7,012
Gross Unrealized Gains	11	19
Gross Unrealized Losses	13	'
Market Value	7,062	7,031
Mortgage Backed Securities [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	1,244	1,609
Gross Unrealized Gains	'	38
Gross Unrealized Losses	1	'
Market Value	$1,243	$1,647

2_Investment_Securities_Detail1

2. Investment Securities (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total, Amortized Cost	$107	$107
Total, Fair Value	107	107
Held to maturity Securities [Member]	'	'
Due in one year or less, Amortized Cost	107	'
Due after one year through five years, Amortized Cost	'	'
Due after five years, Amortized Cost	'	'
Due in one year or less, Fair Value	107	'
Due after one year through five years, Fair Value	'	'
Due after five years, Fair Value	'	'
Total, Amortized Cost	107	'
Total, Fair Value	107	'
Available for sale Securities [Member]	'	'
Due in one year or less, Amortized Cost	2,000	'
Due after one year through five years, Amortized Cost	6,308	'
Due after five years, Amortized Cost	'	'
Due in one year or less, Fair Value	2,000	'
Due after one year through five years, Fair Value	6,305	'
Due after five years, Fair Value	'	'
Total, Amortized Cost	8,308	'
Total, Fair Value	$8,305	'

Recovered_Sheet1

2. Investment securities (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Fair Value Less than 12 Months	$4,473,000	$2,000,000
Unrealized Losses Less than 12 Months	-14,000	-500
Fair Value More than 12 Months	'	'
Unrealized Losses More than 12 Months	'	'
Fair Value Total	4,473,000	2,000,000
Unrealized Losses Total	-14,000	-500
Government Sponsored Enterprises [Member]	'	'
Fair Value Less than 12 Months	3,230,000	2,000,000
Unrealized Losses Less than 12 Months	-13,000	-500
Fair Value More than 12 Months	'	'
Unrealized Losses More than 12 Months	'	'
Fair Value Total	3,230,000	2,000,000
Unrealized Losses Total	-13,000	-500
Mortgage-back Securities [Member]	'	'
Fair Value Less than 12 Months	1,243,000	'
Unrealized Losses Less than 12 Months	-1,000	'
Fair Value More than 12 Months	'	'
Unrealized Losses More than 12 Months	'	'
Fair Value Total	1,243,000	'
Unrealized Losses Total	($1,000)	'

3_Loans_Held_for_Investment_De

3. Loans Held for Investment (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans outstanding	$479,212	$465,819
Construction/Land Development [Member]	'	'
Loans outstanding	68,803	71,251
Farmland [Member]	'	'
Loans outstanding	13,063	12,259
Real Estate [Member]	'	'
Loans outstanding	152,024	144,066
Multi-Family [Member]	'	'
Loans outstanding	10,385	9,357
Commercial Real Estate [Member]	'	'
Loans outstanding	118,987	123,819
Home Equity - Closed End [Member]	'	'
Loans outstanding	10,684	10,984
Home Equity - Open End [Member]	'	'
Loans outstanding	48,875	49,762
Commercial & Industrial Non-Real Estate [Member]	'	'
Loans outstanding	24,529	25,110
Consumer [Member]	'	'
Loans outstanding	12,561	12,698
Credit Cards [Member]	'	'
Loans outstanding	2,493	2,788
Dealer Finance [Member]	'	'
Loans outstanding	$16,808	$3,725

3_Loans_Held_for_Investment_De1

3. Loans Held for Investment (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Impaired loans valuation allowance	'	'
Recorded Investment	$21,126	$22,091
Unpaid Principal Balance	21,126	22,091
Related Allowance	2,022	2,146
Average Recorded Investment	22,362	16,727
Interest Income Recognized	418	665
Construction/Land Development [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	6,974	5,743
Unpaid Principal Balance	6,974	5,743
Related Allowance	'	'
Average Recorded Investment	4,938	1,493
Interest Income Recognized	190	279
Impaired loans with a valuation allowance	'	'
Recorded Investment	8,412	10,466
Unpaid Principal Balance	8,412	10,466
Related Allowance	1,545	1,363
Average Recorded Investment	11,339	7,875
Interest Income Recognized	83	217
Farmland [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	1,474	1,481
Unpaid Principal Balance	1,474	1,481
Related Allowance	'	'
Average Recorded Investment	1,183	301
Interest Income Recognized	54	76
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Real Estate [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	1,145	'
Unpaid Principal Balance	1,145	'
Related Allowance	'	'
Average Recorded Investment	1,149	2,561
Interest Income Recognized	32	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	487	901
Unpaid Principal Balance	487	901
Related Allowance	93	146
Average Recorded Investment	1,004	1,089
Interest Income Recognized	22	38
Multi-Family [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Commercial Real Estate [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	620	541
Unpaid Principal Balance	620	541
Related Allowance	'	'
Average Recorded Investment	472	168
Interest Income Recognized	13	23
Impaired loans with a valuation allowance	'	'
Recorded Investment	1,038	1,585
Unpaid Principal Balance	1,038	1,585
Related Allowance	293	164
Average Recorded Investment	978	1,092
Interest Income Recognized	'	4
Home Equity - Closed End [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	490	'
Unpaid Principal Balance	490	'
Related Allowance	'	'
Average Recorded Investment	254	153
Interest Income Recognized	19	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	350	415
Unpaid Principal Balance	350	415
Related Allowance	91	117
Average Recorded Investment	469	319
Interest Income Recognized	'	9
Home Equity - Open End [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	100	'
Unpaid Principal Balance	100	'
Related Allowance	'	'
Average Recorded Investment	65	274
Interest Income Recognized	3	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	250
Unpaid Principal Balance	'	250
Related Allowance	'	9
Average Recorded Investment	73	193
Interest Income Recognized	'	19
Commercial & Industrial Non-Real Estate [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	34	'
Unpaid Principal Balance	34	'
Related Allowance	'	'
Average Recorded Investment	39	56
Interest Income Recognized	'	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	707
Unpaid Principal Balance	'	707
Related Allowance	'	277
Average Recorded Investment	356	1,005
Interest Income Recognized	1	'
Consumer [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	2	'
Unpaid Principal Balance	2	'
Related Allowance	'	'
Average Recorded Investment	40	135
Interest Income Recognized	1	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	2
Unpaid Principal Balance	'	2
Related Allowance	'	'
Average Recorded Investment	3	13
Interest Income Recognized	'	'
Credit Cards [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Dealer Finance [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'

4_Allowance_for_Loan_Losses_De

4. Allowance for Loan Losses (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Beginning Balance	$8,154	$6,937
Charge-offs	3,082	3,347
Recoveries	242	364
Provision	3,025	4,200
Ending Balance	8,339	8,154
Individually Evaluated for Impairment	2,022	2,146
Collectively Evaluated for Impairment	6,317	6,008
Construction/Land Development [Member]	'	'
Beginning Balance	2,771	2,071
Charge-offs	1,679	1,481
Recoveries	40	192
Provision	1,815	1,989
Ending Balance	2,947	2,771
Individually Evaluated for Impairment	1,545	1,363
Collectively Evaluated for Impairment	1,402	1,408
Farmland [Member]	'	'
Beginning Balance	-2	145
Charge-offs	'	'
Recoveries	'	3
Provision	'	-150
Ending Balance	-2	-2
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	-2	-2
Real Estate [Member]	'	'
Beginning Balance	924	625
Charge-offs	110	482
Recoveries	'	'
Provision	116	781
Ending Balance	930	924
Individually Evaluated for Impairment	93	146
Collectively Evaluated for Impairment	837	778
Multi-Family [Member]	'	'
Beginning Balance	-37	92
Charge-offs	'	'
Recoveries	'	'
Provision	-5	-129
Ending Balance	-42	-37
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	-42	-37
Commercial Real Estate [Member]	'	'
Beginning Balance	1,113	2,285
Charge-offs	201	424
Recoveries	32	48
Provision	279	-796
Ending Balance	1,223	1,113
Individually Evaluated for Impairment	293	164
Collectively Evaluated for Impairment	930	949
Home Equity - Closed End [Member]	'	'
Beginning Balance	360	91
Charge-offs	24	69
Recoveries	'	'
Provision	-11	338
Ending Balance	325	360
Individually Evaluated for Impairment	91	117
Collectively Evaluated for Impairment	234	243
Home Equity - Open End [Member]	'	'
Beginning Balance	659	867
Charge-offs	68	'
Recoveries	29	'
Provision	-36	-208
Ending Balance	584	659
Individually Evaluated for Impairment	'	79
Collectively Evaluated for Impairment	584	580
Commercial & Industrial Non-Real Estate [Member]	'	'
Beginning Balance	2,113	457
Charge-offs	790	776
Recoveries	117	62
Provision	438	2,370
Ending Balance	1,878	2,113
Individually Evaluated for Impairment	'	277
Collectively Evaluated for Impairment	1,878	1,836
Consumer [Member]	'	'
Beginning Balance	51	128
Charge-offs	116	44
Recoveries	11	27
Provision	107	-60
Ending Balance	53	51
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	53	51
Dealer Finance [Member]	'	'
Beginning Balance	72	'
Charge-offs	10	'
Recoveries	'	'
Provision	263	72
Ending Balance	325	72
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	325	72
Credit Cards [Member]	'	'
Beginning Balance	130	176
Charge-offs	84	71
Recoveries	13	32
Provision	59	-7
Ending Balance	118	130
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	118	130
Unallocated [Member]	'	'
Beginning Balance	'	'
Charge-offs	'	'
Recoveries	'	'
Provision	'	'
Ending Balance	'	'
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	'	'

4_Allowance_for_Loan_Losses_De1

4. Allowance for Loan Losses (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loan Receivable	$479,212	$465,819
Individually evaluated for impairment	10,287	22,091
Collectively evaluated for impairment	468,925	443,728
Construction/Land Development [Member]	'	'
Loan Receivable	68,803	71,251
Individually evaluated for impairment	8,412	16,206
Collectively evaluated for impairment	60,391	55,045
Farmland [Member]	'	'
Loan Receivable	13,063	12,259
Individually evaluated for impairment	'	1,481
Collectively evaluated for impairment	13,063	10,778
Real Estate [Member]	'	'
Loan Receivable	152,024	144,066
Individually evaluated for impairment	487	901
Collectively evaluated for impairment	151,537	143,165
Multi-Family [Member]	'	'
Loan Receivable	10,385	9,357
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	10,385	9,357
Commercial Real Estate [Member]	'	'
Loan Receivable	118,987	123,819
Individually evaluated for impairment	1,038	2,128
Collectively evaluated for impairment	117,949	121,691
Home Equity - Closed End [Member]	'	'
Loan Receivable	10,684	10,984
Individually evaluated for impairment	350	415
Collectively evaluated for impairment	10,334	10,569
Home Equity - Open End [Member]	'	'
Loan Receivable	48,875	49,762
Individually evaluated for impairment	'	250
Collectively evaluated for impairment	48,875	49,512
Commercial & Industrial Non-Real Estate [Member]	'	'
Loan Receivable	24,529	25,110
Individually evaluated for impairment	'	708
Collectively evaluated for impairment	24,529	24,402
Consumer [Member]	'	'
Loan Receivable	12,561	12,698
Individually evaluated for impairment	'	2
Collectively evaluated for impairment	12,561	12,696
Dealer Finance [Member]	'	'
Loan Receivable	16,808	3,725
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	16,808	3,725
Credit Cards [Member]	'	'
Loan Receivable	2,493	2,788
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	$2,493	$2,788

4_Allowance_for_Loan_Losses_De2

4. Allowance for Loan Losses (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
30-59 Days Past due	$12,243	$12,243
60-89 Days Past due	1,767	2,842
Greater than 90 Days (excluding non-accrual)	22	'
Non-Accrual Loans	12,316	13,386
Total past due	26,348	28,471
Current	452,864	437,348
Total Loans Receivable	479,212	465,819
Construction/Land Development [Member]	'	'
30-59 Days Past due	2,639	1,173
60-89 Days Past due	78	598
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	8,940	7,974
Total past due	11,657	9,745
Current	57,146	61,506
Total Loans Receivable	68,803	71,251
Farmland [Member]	'	'
30-59 Days Past due	'	1,524
60-89 Days Past due	170	'
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	'	'
Total past due	170	1,524
Current	12,893	10,735
Total Loans Receivable	13,063	12,259
Real Estate [Member]	'	'
30-59 Days Past due	7,100	5,032
60-89 Days Past due	1,292	1,743
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	650	1,637
Total past due	9,042	8,412
Current	142,982	135,654
Total Loans Receivable	152,024	144,066
Multi-Family [Member]	'	'
30-59 Days Past due	'	'
60-89 Days Past due	'	'
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	'	'
Total past due	'	'
Current	10,385	9,357
Total Loans Receivable	10,385	9,357
Commercial Real Estate [Member]	'	'
30-59 Days Past due	1,013	3,238
60-89 Days Past due	'	124
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	1,863	1,823
Total past due	2,876	5,185
Current	116,111	118,634
Total Loans Receivable	118,987	123,819
Home Equity - Closed End [Member]	'	'
30-59 Days Past due	'	199
60-89 Days Past due	'	163
Greater than 90 Days (excluding non-accrual)	10	'
Non-Accrual Loans	229	196
Total past due	239	558
Current	10,445	10,426
Total Loans Receivable	10,684	10,984
Home Equity - Open End [Member]	'	'
30-59 Days Past due	183	370
60-89 Days Past due	119	130
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	205	544
Total past due	507	1,044
Current	48,368	48,718
Total Loans Receivable	48,875	49,762
Commercial & Industrial Non-Real Estate [Member]	'	'
30-59 Days Past due	6	635
60-89 Days Past due	34	5
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	409	1,091
Total past due	449	1,731
Current	24,080	23,379
Total Loans Receivable	24,529	25,110
Consumer [Member]	'	'
30-59 Days Past due	1,168	62
60-89 Days Past due	17	66
Greater than 90 Days (excluding non-accrual)	10	'
Non-Accrual Loans	20	121
Total past due	1,215	249
Current	11,346	12,449
Total Loans Receivable	12,561	12,698
Dealer Finance [Member]	'	'
30-59 Days Past due	117	'
60-89 Days Past due	31	'
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	'	'
Total past due	148	'
Current	16,660	3,725
Total Loans Receivable	16,808	3,725
Credit Cards [Member]	'	'
30-59 Days Past due	17	10
60-89 Days Past due	26	13
Greater than 90 Days (excluding non-accrual)	2	'
Non-Accrual Loans	'	'
Total past due	45	23
Current	2,448	2,765
Total Loans Receivable	$2,493	$2,788

4_Allowance_for_Loan_Losses_De3

4. Allowance for Loan Losses (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Construction/Land Development	$68,803	$71,251
Farmland	13,063	12,259
Real Estate	152,024	144,066
Multi-Family	10,385	9,357
Commercial Real Estate	118,987	123,819
Home Equity - closed end	10,684	10,984
Home Equity - open end	48,875	49,762
Commercial & Industrial (Non-Real Estate)	24,529	25,110
Total	447,350	446,608
Grade 1 Minimal Risk [Member]	'	'
Construction/Land Development	'	'
Farmland	69	70
Real Estate	'	'
Multi-Family	'	'
Commercial Real Estate	'	'
Home Equity - closed end	12	'
Home Equity - open end	'	'
Commercial & Industrial (Non-Real Estate)	432	'
Total	513	70
Grade 2 Modest Risk [Member]	'	'
Construction/Land Development	816	831
Farmland	'	'
Real Estate	501	448
Multi-Family	686	632
Commercial Real Estate	1,656	2,033
Home Equity - closed end	'	'
Home Equity - open end	1,463	1,460
Commercial & Industrial (Non-Real Estate)	40	87
Total	5,162	5,491
Grade 3 Average Risk [Member]	'	'
Construction/Land Development	2,879	4,400
Farmland	1,509	1,544
Real Estate	69,358	36,342
Multi-Family	4,495	2,185
Commercial Real Estate	18,176	18,663
Home Equity - closed end	4,813	2,280
Home Equity - open end	14,604	15,294
Commercial & Industrial (Non-Real Estate)	3,821	3,505
Total	119,655	84,213
Grade 4 Acceptable Risk [Member]	'	'
Construction/Land Development	23,113	16,616
Farmland	4,907	4,327
Real Estate	48,844	69,670
Multi-Family	772	1,815
Commercial Real Estate	57,521	56,624
Home Equity - closed end	3,110	6,198
Home Equity - open end	27,179	26,595
Commercial & Industrial (Non-Real Estate)	15,738	15,448
Total	181,184	197,293
Grade 5 Marginally Acceptable [Member]	'	'
Construction/Land Development	12,094	15,783
Farmland	4,511	4,214
Real Estate	18,196	22,413
Multi-Family	4,432	4,725
Commercial Real Estate	26,768	28,650
Home Equity - closed end	1,705	1,268
Home Equity - open end	4,609	4,735
Commercial & Industrial (Non-Real Estate)	3,458	3,621
Total	75,773	85,409
Grade 6 Watch [Member]	'	'
Construction/Land Development	7,837	9,013
Farmland	494	524
Real Estate	8,508	6,472
Multi-Family	'	'
Commercial Real Estate	9,343	4,910
Home Equity - closed end	300	530
Home Equity - open end	397	694
Commercial & Industrial (Non-Real Estate)	529	531
Total	27,408	22,674
Grade 7 Substandard [Member]	'	'
Construction/Land Development	22,064	24,608
Farmland	1,573	1,580
Real Estate	6,617	8,721
Multi-Family	'	'
Commercial Real Estate	5,523	12,939
Home Equity - closed end	744	708
Home Equity - open end	623	869
Commercial & Industrial (Non-Real Estate)	511	1,918
Total	37,655	51,343
Grade 8 Doubtful [Member]	'	'
Construction/Land Development	'	'
Farmland	'	'
Real Estate	'	'
Multi-Family	'	'
Commercial Real Estate	'	'
Home Equity - closed end	'	'
Home Equity - open end	'	115
Commercial & Industrial (Non-Real Estate)	'	'
Total	'	$115

4_Allowance_for_Loan_Losses_De4

4. Allowance for Loan Losses (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Credit cards	$2,493	$2,788
Consumer	29,369	16,423
Performing Financing Receivable [Member]	'	'
Credit cards	2,491	2,788
Consumer	29,359	16,404
Nonperforming Financing Receivable [Member]	'	'
Credit cards	2	'
Consumer	$10	$19

5_Employee_Benefit_Plan_Detail

5. Employee Benefit Plan (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
Employee Benefit Plan Details	'	'	'	'
Service cost	$149,983	$129,659	$449,949	$388,977
Interest cost	87,578	81,981	262,734	245,943
Expected return on plan assets	-159,020	-135,017	-477,060	-405,051
Amortization of net obligation at transition	'	'	'	'
Amortization of prior service cost	-3,809	-3,809	-11,427	-11,427
Amortization of net (gain) or loss	50,796	43,305	152,388	129,915
Net periodic pension cost	$125,528	$116,119	$376,584	$348,357

5_Employee_Benefit_Plan_Detail1

5. Employee Benefit Plan (Details Narrative) (USD $)	9 Months Ended
	Sep. 30, 2013
Employee Benefit Plan Details Narrative	'
Contribution to employee benefit plan	$750,000

6_Fair_Value_Details

6. Fair Value (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total assets at fair value	$8,305	$8,678
Total liabilities at fair value	'	'
Derivative financial instruments at fair value	28	15
Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	7,062	7,031
Total liabilities at fair value	'	'
Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	1,243	1,647
Total liabilities at fair value	'	'
Available for sale Securities [Member]	'	'
Total assets at fair value	8,305	8,678
Total liabilities at fair value	'	'
Fair Value Inputs Level 1 [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'
Derivative financial instruments at fair value	'	'
Fair Value Inputs Level 1 [Member] | Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'
Fair Value Inputs Level 1 [Member] | Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'
Fair Value Inputs Level 1 [Member] | Available for sale Securities [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'
Fair Value Inputs Level 2 [Member]	'	'
Total assets at fair value	8,305	8,678
Total liabilities at fair value	'	'
Derivative financial instruments at fair value	28	15
Fair Value Inputs Level 2 [Member] | Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	7,062	7,031
Total liabilities at fair value	'	'
Fair Value Inputs Level 2 [Member] | Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	1,243	1,647
Total liabilities at fair value	'	'
Fair Value Inputs Level 2 [Member] | Available for sale Securities [Member]	'	'
Total assets at fair value	8,305	8,678
Total liabilities at fair value	'	'
Fair Value Inputs Level 3 [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'
Derivative financial instruments at fair value	'	'
Fair Value Inputs Level 3 [Member] | Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'
Fair Value Inputs Level 3 [Member] | Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'
Fair Value Inputs Level 3 [Member] | Available for sale Securities [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'

6_Fair_Value_Details_1

6. Fair Value (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans Held For Sale	$2,777	$77,207
Other Real Estate Owned Loans	2,369	2,884
Impaired loans	8,265	12,180
Assets Fair Value	13,411	92,271
Liabilities Fair Value	'	'
Fair Value Inputs Level 1 [Member]	'	'
Loans Held For Sale	'	'
Other Real Estate Owned Loans	'	'
Impaired loans	'	'
Assets Fair Value	'	'
Liabilities Fair Value	'	'
Fair Value Inputs Level 2 [Member]	'	'
Loans Held For Sale	2,777	77,207
Other Real Estate Owned Loans	'	'
Impaired loans	'	'
Assets Fair Value	2,777	77,207
Liabilities Fair Value	'	'
Fair Value Inputs Level 3 [Member]	'	'
Loans Held For Sale	'	'
Other Real Estate Owned Loans	2,369	2,884
Impaired loans	8,265	12,180
Assets Fair Value	10,634	15,064
Liabilities Fair Value	'	'
Construction/Land Development [Member]	'	'
Impaired loans	6,867	9,100
Construction/Land Development [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Construction/Land Development [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Construction/Land Development [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	6,867	9,100
Farmland [Member]	'	'
Impaired loans	'	'
Farmland [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Farmland [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Farmland [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'
Real Estate [Member]	'	'
Impaired loans	394	756
Real Estate [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Real Estate [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Real Estate [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	394	756
Multi-Family [Member]	'	'
Impaired loans	'	'
Multi-Family [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Multi-Family [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Multi-Family [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'
Commercial Real Estate [Member]	'	'
Impaired loans	745	1,422
Commercial Real Estate [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Commercial Real Estate [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Commercial Real Estate [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	745	1,422
Home Equity - Closed End [Member]	'	'
Impaired loans	259	298
Home Equity - Closed End [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Home Equity - Closed End [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Home Equity - Closed End [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	259	298
Home Equity - Open End [Member]	'	'
Impaired loans	'	171
Home Equity - Open End [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Home Equity - Open End [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Home Equity - Open End [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	171
Commercial & Industrial Non-Real Estate [Member]	'	'
Impaired loans	'	431
Commercial & Industrial Non-Real Estate [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Commercial & Industrial Non-Real Estate [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Commercial & Industrial Non-Real Estate [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	431
Consumer [Member]	'	'
Impaired loans	'	2
Consumer [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	2
Credit Cards [Member]	'	'
Impaired loans	'	'
Credit Cards [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Credit Cards [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Credit Cards [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'
Dealer Finance [Member]	'	'
Impaired loans	'	'
Dealer Finance [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Dealer Finance [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Dealer Finance [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'
Consumer [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'

7_Disclosures_About_Fair_Value2

7. Disclosures About Fair Value of Financial Instruments (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial Assets	'	'
Loans, Estimated Fair Value	$510,244	$488,164
Loans, Carrying value	479,212	465,819
Financial Liabilities	'	'
Time deposits, Estimated Fair Value	198,678	203,539
Time deposits, Carrying Value	196,790	201,518
Long-term debt, Estimated Fair Value	17,996	39,551
Long-term debt, Carrying Value	$16,678	$37,714

8_Troubled_Debt_Restructuring_

8. Troubled Debt Restructuring (Details Narrative) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Troubled Debt Restructuring Details Narrative	'	'
Debt restructurings	$0	'
Pre-modification and post-modification outstanding recorded investment	$50,000	$492,000