Summit Financial (SMMF) 10-Q 12 Nov 13 2013 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2013	Nov. 05, 2013
Document And Entity Information	'	'
Entity Registrant Name	'SUMMIT FINANCIAL GROUP INC	'
Entity Central Index Key	'0000811808	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Entity Filer Category	'Smaller Reporting Company	'
Current Fiscal Year End Date	'--12-31	'
Document Period End Date	30-Sep-13	'
Entity Common Stock, Shares Outstanding	'	7,451,022
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Dec. 31, 2012		Sep. 30, 2012
In Thousands, unless otherwise specified
ASSETS	'	'		'
Cash and due from banks	$4,571	$3,833	[1]	$3,752
Interest bearing deposits with other banks	11,532	10,969	[1]	13,441
Cash and cash equivalents	16,103	14,802	[1]	17,193
Securities available for sale	291,258	281,539	[1]	291,992
Other investments	8,004	14,658	[1]	16,100
Loans held for sale	602	226	[1]	213
Loans, net	939,169	937,168	[1]	940,933
Property held for sale	45,303	56,172	[1]	56,033
Premises and equipment, net	20,780	21,129	[1]	21,264
Accrued interest receivable	5,364	5,621	[1]	5,352
Intangible assets	8,036	8,300	[1]	8,387
Cash surrender value of life insurance policies	35,257	29,553	[1]	30,065
Other assets	17,911	17,936	[1]	16,554
Total assets	1,387,787	1,387,104	[1]	1,404,086
Deposits	'	'		'
Non interest bearing	99,109	100,592	[1]	96,764
Interest bearing	917,626	926,533	[1]	930,543
Total deposits	1,016,735	1,027,125	[1]	1,027,307
Short-term borrowings	54,163	3,958	[1]	20,957
Long-term borrowings	163,540	203,268	[1]	203,744
Subordinated debentures	16,800	16,800	[1]	16,800
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589	19,589	[1]	19,589
Other liabilities	8,155	7,809	[1]	8,361
Total liabilities	1,278,982	1,278,549	[1]	1,296,758
Shareholders' Equity	'	'		'
Common stock and related surplus - authorized 20,000,000 shares; $2.50 par value; issued and outstanding 2013 - 7,448,422 and 2012 - 7,425,472 shares	24,632	24,520	[1]	24,520
Retained earnings	74,541	69,841	[1]	67,929
Accumulated other comprehensive income	337	4,868	[1]	5,553
Total shareholders' equity	108,805	108,555	[1]	107,328
Total liabilities and shareholders' equity	1,387,787	1,387,104	[1]	1,404,086
Series 2009 Preferred Stock [Member]	'	'		'
Shareholders' Equity	'	'		'
Preferred stock, value issued	3,519	3,519	[1]	3,519
Total shareholders' equity	3,519	3,519		3,519
Series 2011 Preferred Stock [Member]	'	'		'
Shareholders' Equity	'	'		'
Preferred stock, value issued	5,776	5,807	[1]	5,807
Total shareholders' equity	$5,776	$5,807		$5,807
[1]	December 31, 2012 financial information has been extracted from audited consolidated financial statements

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Preferred stock, par value	$1	$1	$1
Preferred stock, shares authorized	250,000	250,000	250,000
Preferred stock, shares issued	15,648	15,710	15,710
Common stock, par value	$2.50	$2.50	$2.50
Common stock, shares authorized	20,000,000	20,000,000	20,000,000
Common stock, shares issued	7,448,422	7,425,472	7,425,472
Series 2009 Preferred Stock [Member]	'	'	'
Preferred stock, par value	$1	$1	$1
Preferred stock, shares issued	3,710	3,710	3,710
Preferred stock, dividend rate, percentage	8.00%	8.00%	8.00%
Series 2011 Preferred Stock [Member]	'	'	'
Preferred stock, par value	$1	$1	$1
Preferred stock, shares issued	11,938	12,000	12,000
Preferred stock, dividend rate, percentage	8.00%	8.00%	8.00%

Consolidated_Statements_Of_Inc

Consolidated Statements Of Income (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and fees on loans	'	'	'	'
Taxable	$12,469	$13,572	$38,037	$41,812
Tax-exempt	63	76	197	243
Interest and dividends on securities	'	'	'	'
Taxable	896	1,340	2,852	4,593
Tax-exempt	616	594	1,832	1,986
Interest on interest bearing deposits with other banks	1	7	4	30
Total interest income	14,045	15,589	42,922	48,664
Interest expense	'	'	'	'
Interest on deposits	2,487	3,067	8,074	10,140
Interest on short-term borrowings	24	8	50	25
Interest on long-term borrowings and subordinated debentures	1,996	2,579	5,997	8,575
Total interest expense	4,507	5,654	14,121	18,740
Net interest income	9,538	9,935	28,801	29,924
Provision for loan losses	1,000	2,000	3,500	6,002
Net interest income after provision for loan losses	8,538	7,935	25,301	23,922
Other income	'	'	'	'
Insurance commissions	1,057	1,052	3,373	3,352
Service fees related to deposit accounts	1,106	1,074	3,202	3,163
Realized securities gains	132	760	116	2,245
Other	606	514	1,741	1,649
Total other-than-temporary impairment loss on securities	-38	-233	-155	-1,115
Portion of loss recognized in other comprehensive income	0	194	37	740
Net impairment loss recognized in earnings	-38	-39	-118	-375
Total other income	2,863	3,361	8,314	10,034
Other expenses	'	'	'	'
Salaries, commissions, and employee benefits	4,050	3,940	12,155	11,733
Net occupancy expense	454	476	1,387	1,445
Equipment expense	578	573	1,724	1,777
Professional fees	263	292	885	872
Amortization of intangibles	88	88	263	263
FDIC premiums	503	510	1,558	1,532
Foreclosed properties expense	262	356	836	935
(Gain) loss on sale of foreclosed properties	-17	-16	546	583
Write-down of foreclosed properties	654	2,571	3,078	6,114
Other	1,396	1,237	3,900	3,749
Total other expense	8,231	10,027	26,332	29,003
Income before income taxes	3,170	1,269	7,283	4,953
Income tax expense	898	272	2,001	1,345
Net income	2,272	997	5,282	3,608
Dividends on preferred shares	194	194	582	583
Net income applicable to common shares	$2,078	$803	$4,700	$3,025
Basic earnings per common share	$0.28	$0.11	$0.63	$0.41
Diluted earnings per common share	$0.24	$0.10	$0.55	$0.38

Consolidated_Statements_Of_Com

Consolidated Statements Of Comprehensive Income (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Statement of Comprehensive Income [Abstract]	'	'	'	'
Net income	$2,272	$997	$5,282	$3,608
Other comprehensive income (loss):	'	'	'	'
Net unrealized (loss) on cashflow hedge, net of deferred taxes	-74	0	-74	0
Non-credit related other-than-temporary impairment on available for sale debt securities, net of deferred taxes	0	-120	-23	-459
Net unrealized gain (loss) on available for sale debt securities, net of deferred taxes and reclassification adjustment for net realized gains included in net income	-429	938	-4,434	2,194
Total comprehensive income	$1,769	$1,815	$751	$5,343

Consolidated_Statements_Of_Com1

Consolidated Statements Of Comprehensive Income (Parenthetical) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Statement of Comprehensive Income [Abstract]	'	'	'	'
Cashflow hedge	($117)	$0	($117)	$0
Net unrealized (loss) on cashflow hedge, deferred tax	43	0	43	0
Portion of loss recognized in other comprehensive income	0	194	37	740
Deferred taxes related to other-than-temporary impairment on available for sale debt securities	0	74	14	281
Net unrealized gain (loss) on available for sale debt securities	-681	1,513	-7,038	3,539
Net unrealized gain (loss) on available for sale debt securities, tax	252	575	2,604	1,345
Reclassification adjustment for net realized gains included in net income	$132	$760	$116	$2,245

Consolidated_Statements_Of_Sha

Consolidated Statements Of Shareholders' Equity (USD $)	Common Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Series 2009 Preferred Stock [Member]	Series 2011 Preferred Stock [Member]	Total
In Thousands, unless otherwise specified
Balance at Dec. 31, 2011	$24,518	$64,904	$3,818	$3,519	$5,807	$102,566
Comprehensive income:	'	'	'	'	'	'
Net income	'	3,608	'	'	'	3,608
Other comprehensive income (loss)	'	'	1,735	'	'	1,735
Total comprehensive income (loss)	'	'	'	'	'	5,343
Exercise of stock options	'	'	'	'	'	'
Stock compensation expense	2	'	'	'	'	2
Series 2009 Preferred Stock cash dividends declared	'	-223	'	'	'	-223
Series 2011 Preferred Stock cash dividends declared	'	-360	'	'	'	-360
Balance at Sep. 30, 2012	24,520	67,929	5,553	3,519	5,807	107,328
Balance at Dec. 31, 2012	24,520	69,841	4,868	3,519	5,807	108,555	[1]
Comprehensive income:	'	'	'	'	'	'
Net income	'	5,282	'	'	'	5,282
Other comprehensive income (loss)	'	'	-4,531	'	'	-4,531
Total comprehensive income (loss)	'	'	'	'	'	751
Exercise of stock options	80	'	'	'	'	80
Stock compensation expense	1	'	'	'	'	1
Series 2009 Preferred Stock cash dividends declared	'	-223	'	'	'	-223
Series 2011 Preferred Stock cash dividends declared	'	-359	'	'	'	-359
Conversion of Series 2011 Preferred Stock to Common Stock	31	'	'	'	-31	'
Balance at Sep. 30, 2013	$24,632	$74,541	$337	$3,519	$5,776	$108,805
[1]	December 31, 2012 financial information has been extracted from audited consolidated financial statements

Consolidated_Statements_Of_Sha1

Consolidated Statements Of Shareholders' Equity (Parenthetical) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Series 2009 Preferred Stock [Member]	'	'
Preferred stock, dividend per share	$60	$60
Series 2011 Preferred Stock [Member]	'	'
Preferred stock, dividend per share	$30	$30

Consolidated_Statements_Of_Cas

Consolidated Statements Of Cash Flows (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2012
Cash Flows from Operating Activities	'		'
Net income	$5,282		$3,608
Adjustments to reconcile net earnings to net cash provided by operating activities:	'		'
Depreciation	878		989
Provision for loan losses	3,500		6,002
Stock compensation expense	1		2
Deferred income tax expense (benefit)	1,248		-1,172
Loans originated for sale	-7,963		-5,463
Proceeds from loans sold	7,587		5,251
Securities gains	-116		-2,245
Other-than-temporary impairment of securities	118		375
Loss on disposal of assets	535		583
Write down of foreclosed properties	3,078		6,114
Amortization of securities premiums (accretion of discounts), net	4,698		3,181
Amortization of goodwill and purchase accounting adjustments, net	272		272
Decrease in accrued interest receivable	257		431
Increase in cash surrender value of bank owned life insurance	-704		-781
(Increase) decrease in other assets	2,354		-971
Decrease in other liabilities	-748		-140
Net cash provided by operating activities	20,277		16,036
Cash Flows from Investing Activities	'		'
Proceeds from maturities and calls of securities available for sale	1,258		4,056
Proceeds from sales of securities available for sale	41,188		64,567
Principal payments received on securities available for sale	50,650		47,584
Purchases of securities available for sale	-111,443		-120,114
Purchases of other investments	-2,541		0
Redemption of Federal Home Loan Bank Stock	5,922		3,048
Net principal payments received from (loans made to) customers	-8,371		13,736
Purchases of premises and equipment	-528		-170
Proceeds from disposal of premises and equipment	11		0
Proceeds from sales of other repossessed assets & property held for sale	10,339		6,998
Purchase of life insurance contracts	-5,000		0
Net cash provided by (used in) investing activities	-18,515		19,705
Cash Flows from Financing Activities	'		'
Net increase in demand deposit, NOW and savings accounts	9,759		15,662
Net decrease in time deposits	-20,149		-4,856
Net increase in short-term borrowings	50,205		5,002
Proceeds from long-term borrowings	3,454		0
Repayment of long-term borrowings	-43,228		-66,510
Exercise of stock options	80		0
Dividends paid on preferred stock	-582		-537
Net cash (used in) financing activities	-461		-51,239
Increase (decrease) in cash and cash equivalents	1,301		-15,498
Cash and cash equivalents:	'		'
Beginning	14,802	[1]	32,691
Ending	16,103		17,193
Supplemental Disclosures of Cash Flow Information	'		'
Interest	14,526		19,335
Income taxes	1,098		1,834
Supplemental Schedule of Noncash Investing and Financing Activities	'		'
Other assets acquired in settlement of loans	$2,871		$5,266
[1]	December 31, 2012 financial information has been extracted from audited consolidated financial statements

1_Basis_Of_Presentation

1. Basis Of Presentation	9 Months Ended
	Sep. 30, 2013
Basis Of Presentation	'
Basis Of Presentation	'
	We, Summit Financial Group, Inc. and subsidiaries, prepare our consolidated financial statements in accordance with accounting principles generally accepted in the United States of America for interim financial information and with instructions to Form 10-Q and Regulation S-X. Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for annual year end financial statements. In our opinion, all adjustments considered necessary for a fair presentation have been included and are of a normal recurring nature.
	The presentation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. Actual results could differ materially from these estimates.
	The results of operations for the quarter ended September 30, 2013 are not necessarily indicative of the results to be expected for the full year. The consolidated financial statements and notes included herein should be read in conjunction with our 2012 audited financial statements and Annual Report on Form 10-K. Certain accounts in the consolidated financial statements for December 31, 2012 and September 30, 2012, as previously presented, have been reclassified to conform to current year classifications.

2_Significant_New_Authoritativ

2. Significant New Authoritative Accounting Guidance	9 Months Ended
	Sep. 30, 2013
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]	'
Significant New Authoritative Accounting Guidance	'
	ASU No. 2013-02, Comprehensive Income (Topic 220) – Reporting Amounts Reclassified Out of Accumulated Other Comprehensive Income amended authoritative guidance related to the reporting of reclassifications out of other comprehensive earnings. The new guidance sets requirements for presentation for significant items reclassified to net earnings during the period presented. The new guidance was effective for annual and interim periods beginning on January 1, 2013 and did not have an effect on our financial statements.
	ASU 2013-10, “Derivatives and Hedging (Topic 815) – Inclusion of the Fed Funds Effective Swap Rate (or Overnight Index Swap Rate) as a Benchmark Interest Rate for Hedge Accounting Purposes” permits the Fed Funds Effective Swap Rate (or Overnight Index Swap Rate) to be used as a U.S. benchmark interest rate for hedge accounting purposes under Topic 815, in addition to interest rates on direct Treasury obligations of the U.S. government and the London Interbank Offered Rate (“LIBOR”). ASU 2013-10 is effective prospectively for qualifying new or redesignated hedging relationships entered into on or after July 17, 2013 and is not expected to have a significant impact on our financial statements.

3_Fair_Value_Measurements

3. Fair Value Measurements	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Measurements	'
	ASC Topic 820 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC Topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value.
		Level 1:	Quoted prices (unadjusted) or identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
		Level 2:	Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, and other inputs that are observable or can be corroborated by observable market data.
		Level 3:	Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.
	Accordingly, securities available-for-sale and derivative financial instruments are recorded at fair value on a recurring basis. Additionally, from time to time, we may be required to record other assets at fair value on a nonrecurring basis, such as loans held for sale, and impaired loans held for investment. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets.
	Following is a description of valuation methodologies used for assets and liabilities recorded at fair value.
	Available-for-Sale Securities: Investment securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds and corporate debt securities.
	Derivative Financial Instruments: Derivative financial instruments are recorded at fair value on a recurring basis. Fair value measurement is based on pricing models run by a third-party, utilizing observable market-based inputs. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date. As a result, we classify interest rate swaps as Level 2.
	Loans Held for Sale: Loans held for sale are carried at the lower of cost or market value. The fair value of loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, we classify loans subject to nonrecurring fair value adjustments as Level 2.
	Loans: We do not record loans at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the original contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment in accordance with ASC Topic 310, Accounting by Creditors for Impairment of a Loan. The fair value of impaired loans is estimated using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. At September 30, 2013, substantially all of the total impaired loans were evaluated based on the fair value of the collateral. In accordance with ASC Topic 310, impaired loans where an allowance is established based on the fair value of collateral requires classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, we record the impaired loan as nonrecurring Level 2. When a current appraised value is not available and there is no observable market price, we record the impaired loan as nonrecurring Level 3.
	When a collateral-dependent loan is identified as impaired, management immediately begins the process of evaluating the estimated fair value of the underlying collateral to determine if a related specific allowance for loan losses or charge-off is necessary. Current appraisals are ordered once a loan is deemed impaired if the existing appraisal is more than twelve months old, or more frequently if there is known deterioration in value. For recently identified impaired loans, a current appraisal may not be available at the financial statement date. Until the current appraisal is obtained, the original appraised value is discounted, as appropriate, to compensate for the estimated depreciation in the value of the loan’s underlying collateral since the date of the original appraisal. Such discounts are generally estimated based upon management’s knowledge of sales of similar collateral within the applicable market area and its knowledge of other real estate market-related data as well as general economic trends. When a new appraisal is received (which generally are received within 3 months of a loan being identified as impaired), management then re-evaluates the fair value of the collateral and adjusts any specific allocated allowance for loan losses, as appropriate. In addition, management also assigns a discount of 7–10% for the estimated costs to sell the collateral.
	Other Real Estate Owned (“OREO”): OREO consists of real estate acquired in foreclosure or other settlement of loans. Such assets are carried on the balance sheet at the lower of the investment in the real estate or its fair value less estimated selling costs. The fair value of OREO is determined on a nonrecurring basis generally utilizing current appraisals performed by an independent, licensed appraiser applying an income or market value approach using observable market data (Level 2). Updated appraisals of OREO are generally obtained if the existing appraisal is more than 18 months old or more frequently if there is a known deterioration in value. However, if a current appraisal is not available, the original appraised value is discounted, as appropriate, to compensate for the estimated depreciation in the value of the real estate since the date of its original appraisal. Such discounts are generally estimated based upon management’s knowledge of sales of similar property within the applicable market area and its knowledge of other real estate market-related data as well as general economic trends (Level 3). Upon foreclosure, any fair value adjustment is charged against the allowance for loan losses. Subsequent fair value adjustments are recorded in the period incurred and included in other noninterest expense in the consolidated statements of income.
	Assets and Liabilities Recorded at Fair Value on a Recurring Basis
	The table below presents the recorded amount of assets (liabilities) measured at fair value on a recurring basis.
			Balance at			Fair Value Measurements Using:
	Dollars in thousands		30-Sep-13			Level 1		Level 2			Level 3
	Available for sale securities
	U.S. Government sponsored agencies		$	28,430		$	-	$	28,430		$	-
	Mortgage backed securities:
	Government sponsored agencies			150,787			-		150,787			-
	Nongovernment sponsored entities			13,440			-		13,440			-
	State and political subdivisions			15,011			-		15,011			-
	Corporate debt securities			3,950			-		3,950			-
	Other equity securities			77			-		77			-
	Tax-exempt state and political subdivisions			79,563			-		79,563			-
	Tax-exempt mortgage-backed securities			-			-		-			-
	Total available for sale securities		$	291,258		$	-	$	291,258		$	-
	Derivative financial instrument
	Interest rate swap		$	(117	)	$	-	$	(117	)	$	-
			Balance at			Fair Value Measurements Using:
	Dollars in thousands		31-Dec-12			Level 1		Level 2			Level 3
	Available for sale securities
	U.S. Government sponsored agencies		$	29,020		$	-	$	29,020		$	-
	Mortgage backed securities:
	Government sponsored agencies			136,570			-		136,570			-
	Nongovernment sponsored agencies			15,745			-		15,745			-
	State and political subdivisions			12,169			-		12,169			-
	Corporate debt securities			1,950			-		1,950			-
	Other equity securities			77			-		77			-
	Tax-exempt state and political subdivisions			83,270			-		83,270			-
	Tax-exempt mortgage backed securities			2,738			-		2,738			-
	Total available for sale securities		$	281,539		$	-	$	281,539		$	-
	There were no assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the period ended September 30, 2013.
	Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis
	We may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. Assets measured at fair value on a nonrecurring basis are included in the table below.
			Total at			Fair Value Measurements Using:
	Dollars in thousands		30-Sep-13			Level 1		Level 2			Level 3
	Residential mortgage loans held for sale		$	602		$	-	$	602		$	-
	Impaired loans
	Commercial		$	5,456		$	-	$	3,731		$	1,725
	Commercial real estate			17,109			-		3,998			13,111
	Construction and development			24,128			-		21,629			2,499
	Residential real estate			22,632			-		17,341			5,291
	Consumer			40			-		-			40
	Total impaired loans		$	69,365		$	-	$	46,699		$	22,666
	OREO
	Commercial		$	-		$	-	$	-		$	-
	Commercial real estate			9,961			-		9,961			-
	Construction and development			31,747			-		31,747			-
	Residential real estate			3,595			-		3,595			-
	Consumer			-			-		-			-
	Total OREO		$	45,303		$	-	$	45,303		$	-
			Total at			Fair Value Measurements Using:
Dollars in thousands		31-Dec-12			Level 1		Level 2			Level 3
Residential mortgage loans held for sale		$	226		$	-	$	226		$	-
Impaired loans
Commercial		$	10,856		$	-	$	5,013		$	5,843
Commercial real estate			25,435			-		16,331			9,104
Construction and development			27,352			-		24,578			2,774
Residential real estate			24,442			-		21,625			2,817
Consumer			50			-		-			50
Total impaired loans		$	88,135		$	-	$	67,547		$	20,588
OREO
Commercial		$	-		$	-	$	-		$	-
Commercial real estate			11,835			-		11,047			788
Construction and development			40,671			-		35,978			4,693
Residential real estate			3,666			-		3,666			-
Consumer			-			-		-			-
Total OREO		$	56,172		$	-	$	50,691		$	5,481
Our policy with respect to troubled debt restructurings (“TDRs”), included in impaired loans, is to appraise any underlying collateral at the time of restructure, and then only obtain periodic reappraisals if the TDR is not performing in accordance with the terms of the restructure. Substantially all Level 3 fair values of impaired loans in the above tables are performing TDRs.
ASC Topic 825, Financial Instruments, requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis. The following summarizes the methods and significant assumptions we used in estimating our fair value disclosures for financial instruments.
Cash and cash equivalents: The carrying values of cash and cash equivalents approximate their estimated fair value.
Federal funds sold: The carrying values of Federal funds sold approximate their estimated fair values.
Securities: Estimated fair values of securities are based on quoted market prices, where available. If quoted market prices are not available, estimated fair values are based on quoted market prices of comparable securities.
Loans held for sale: The carrying values of loans held for sale approximate their estimated fair values.
Loans: The estimated fair values for loans are computed based on scheduled future cash flows of principal and interest, discounted at interest rates currently offered for loans with similar terms to borrowers of similar credit quality. No prepayments of principal are assumed.
Accrued interest receivable and payable: The carrying values of accrued interest receivable and payable approximate their estimated fair values.
Deposits: The estimated fair values of demand deposits (i.e. non-interest bearing checking, NOW, money market and savings accounts) and other variable rate deposits approximate their carrying values. Fair values of fixed maturity deposits are estimated using a discounted cash flow methodology at rates currently offered for deposits with similar remaining maturities. Any intangible value of long-term relationships with depositors is not considered in estimating the fair values disclosed.
Short-term borrowings: The carrying values of short-term borrowings approximate their estimated fair values.
Long-term borrowings: The fair values of long-term borrowings are estimated by discounting scheduled future payments of principal and interest at current rates available on borrowings with similar terms.
Subordinated debentures: The carrying values of subordinated debentures approximate their estimated fair values.
Subordinated debentures owed to unconsolidated subsidiary trusts: The carrying values of subordinated debentures owed to unconsolidated subsidiary trusts approximate their estimated fair values.
Derivative financial instruments: The fair value of the interest rate swap is valued using independent pricing models.
Off-balance sheet instruments: The fair values of commitments to extend credit and standby letters of credit are estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present credit standing of the counter parties. The amounts of fees currently charged on commitments and standby letters of credit are deemed insignificant, and therefore, the estimated fair values and carrying values are not shown below.
The carrying values and estimated fair values of our financial instruments are summarized below:
		30-Sep-13					31-Dec-12
					Estimated					Estimated
		Carrying			Fair		Carrying			Fair
Dollars in thousands		Value			Value		Value			Value
Financial assets
Cash and cash equivalents		$	16,103		$	16,103	$	14,802		$	14,802
Securities available for sale			291,258			291,258		281,539			281,539
Other investments			8,004			8,004		14,658			14,658
Loans held for sale			602			602		226			226
Loans, net			939,169			965,070		937,168			965,454
Accrued interest receivable			5,364			5,364		5,621			5,621
		$	1,260,500		$	1,286,401	$	1,254,014		$	1,282,300
Financial liabilities
Deposits		$	1,016,735		$	1,045,084	$	1,027,125		$	1,064,957
Short-term borrowings			54,163			54,163		3,958			3,958
Long-term borrowings			163,540			175,237		203,268			220,175
Subordinated debentures			16,800			16,800		16,800			16,800
Subordinated debentures owed to
unconsolidated subsidiary trusts			19,589			19,589		19,589			19,589
Accrued interest payable			1,473			1,473		1,877			1,877
Derivative financial liabilities			117			117		-			-
		$	1,272,417		$	1,312,463	$	1,272,617		$	1,327,356

4_Earnings_Per_Share

4. Earnings Per Share	9 Months Ended
	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Earnings Per Share	'
	The computations of basic and diluted earnings per share follow:
		For the Three Months Ended September 30,
		2013							2012
					Common							Common
	Dollars in thousands,	Income			Shares		Per		Income			Shares		Per
	except per share amounts	(Numerator)			(Denominator)		Share		(Numerator)			(Denominator)		Share
	Net income	$	2,272						$	997
	Less preferred stock dividends		(194	)						(194	)
	Basic EPS	$	2,078			7,443,865	$	0.28	$	803			7,425,472	$	0.11
	Effect of dilutive securities:
	Stock options		-			7,819				-			1,261
	Series 2011 convertible
	preferred stock		120			1,495,728				120			1,500,000
	Series 2009 convertible
	preferred stock		74			674,545				74			674,545
	Diluted EPS	$	2,272			9,621,957	$	0.24	$	997			9,601,278	$	0.1
		For the Nine Months Ended September 30,
		2013							2012
					Common							Common
	Dollars in thousands,	Income			Shares		Per		Income			Shares		Per
	except per share amounts	(Numerator)			(Denominator)		Share		(Numerator)			(Denominator)		Share
	Net income	$	5,282						$	3,608
	Less preferred stock dividends		(582	)						(583	)
	Basic EPS	$	4,700			7,438,216	$	0.63	$	3,025			7,425,472	$	0.41
	Effect of dilutive securities:
	Stock options		-			7,316				-			1,081
	Series 2011 convertible
	preferred stock		359			1,498,251				360			1,500,000
	Series 2009 convertible
	preferred stock		223			674,545				223			674,545
	Diluted EPS	$	5,282			9,618,328	$	0.55	$	3,608			9,601,098	$	0.38
	Stock option grants and the convertible preferred shares are disregarded in this computation if they are determined to be anti-dilutive. Our anti-dilutive stock options at September 30, 2013 and 2012 totaled 170,500 shares and 289,380 shares, respectively.

5_Securities

5. Securities	9 Months Ended
	Sep. 30, 2013
Available-for-sale Securities [Abstract]	'
Securities	'
	The amortized cost, unrealized gains, unrealized losses and estimated fair values of securities at September 30, 2013, December 31, 2012, and September 30, 2012 are summarized as follows:
		30-Sep-13
		Amortized			Unrealized						Estimated
	Dollars in thousands	Cost			Gains			Losses			Fair Value
	Available for Sale
	Taxable debt securities:
	U. S. Government agencies
	and corporations	$	27,740		$	757		$	67		$	28,430
	Residential mortgage-backed securities:
	Government-sponsored agencies		149,569			2,444			1,226			150,787
	Nongovernment-sponsored agencies		13,134			315			9			13,440
	State and political subdivisions:
	General obligations		9,064			-			383			8,681
	Water and sewer revenues		3,234			1			91			3,144
	Other revenues		3,298			-			112			3,186
	Corporate debt securities		3,970			25			45			3,950
	Total taxable debt securities		210,009			3,542			1,933			211,618
	Tax-exempt debt securities:
	State and political subdivisions:
	General obligations		49,569			1,048			1,112			49,505
	Water and sewer revenues		10,132			89			290			9,931
	Lease revenues		8,869			1			441			8,429
	Lottery/casino revenues		4,457			68			166			4,359
	Other revenues		7,490			61			212			7,339
	Total tax-exempt debt securities		80,517			1,267			2,221			79,563
	Equity securities		77			-			-			77
	Total available for sale securities	$	290,603		$	4,809		$	4,154		$	291,258
		31-Dec-12
		Amortized			Unrealized						Estimated
	Dollars in thousands	Cost			Gains			Losses			Fair Value
	Available for Sale
	Taxable debt securities
	U. S. Government agencies
	and corporations	$	28,128		$	892		$	-		$	29,020
	Residential mortgage-backed securities:
	Government-sponsored agencies		133,812			3,250			492			136,570
	Nongovernment-sponsored entities		15,380			509			144			15,745
	State and political subdivisions:
	General obligations		8,847			58			57			8,848
	Water and sewer revenues		1,920			-			32			1,888
	Other revenues		1,420			13			-			1,433
	Corporate debt securities		1,959			29			38			1,950
	Total taxable debt securities		191,466			4,751			763			195,454
	Tax-exempt debt securities
	State and political subdivisions:
	General obligations		54,948			3,259			145			58,062
	Water and sewer revenues		5,773			171			47			5,897
	Lease revenues		6,910			159			13			7,056
	Lottery/casino revenues		4,500			305			9			4,796
	Other revenues		7,272			210			23			7,459
	Residential mortgage-backed securities:
	Government-sponsored agencies		2,738			-			-			2,738
	Total tax-exempt debt securities		82,141			4,104			237			86,008
	Equity securities		77			-			-			77
	Total available for sale securities	$	273,684		$	8,855		$	1,000		$	281,539
		30-Sep-12
		Amortized			Unrealized						Estimated
	Dollars in thousands	Cost			Gains			Losses			Fair Value
	Available for Sale
	Taxable debt securities:
	U. S. Government agencies
	and corporations	$	25,857		$	1,009		$	4		$	26,862
	Residential mortgage-backed securities:
Government-sponsored agencies		150,233			3,741			453			153,521
Nongovernment-sponsored agencies		21,199			712			290			21,621
State and political subdivisions		10,176			57			56			10,177
Corporate debt securities		1,955			29			74			1,910
Total taxable debt securities		209,420			5,548			877			214,091
Tax-exempt debt securities:
State and political subdivisions		70,678			4,358			70			74,966
Residential mortgage-backed securities:
Government-sponsored agencies		2,858			-			-			2,858
Total tax-exempt debt securities		73,536			4,358			70			77,824
Equity securities		77			-			-			77
Total available for sale securities	$	283,033		$	9,906		$	947		$	291,992
The below information is relative to the five states where issuers with the highest volume of state and political subdivision securities held in our portfolio are located. We own no such securities of any single issuer which we deem to be a concentration.
	30-Sep-13
	Amortized			Unrealized						Estimated
Dollars in thousands	Cost			Gains			Losses			Fair Value
West Virginia	$	14,286		$	97		$	267		$	14,116
Illinois		10,435			59			535			9,959
California		8,102			107			241			7,968
Texas		7,155			234			178			7,211
Washington		4,409			110			80			4,439
Management performs pre-purchase and ongoing analysis to confirm that all investment securities meet applicable credit quality standards. Prior to July 1, 2013, we principally used credit ratings from Nationally Recognized Statistical Rating Organizations (“NRSROs”) to support analyses of our portfolio of securities issued by state and political subdivisions, as we generally do not purchase securities that are rated below the six highest NRSRO rating categories. Beginning July 1, 2013, in addition to considering a security’s NRSRO rating, we now also assess or confirm through an internal review of an issuer’s financial information and other applicable information that: 1) the issuer’s risk of default is low; 2) the characteristics of the issuer’s demographics and economic environment are satisfactory; and 3) the issuer’s budgetary position and stability of tax or other revenue sources are sound.
The maturities, amortized cost and estimated fair values of securities at September 30, 2013, are summarized as follows:
	Available for Sale
	Amortized			Estimated
Dollars in thousands	Cost			Fair Value
Due in one year or less	$	68,076		$	68,631
Due from one to five years		88,188			89,189
Due from five to ten years		33,174			33,187
Due after ten years		101,088			100,174
Equity securities		77			77
	$	290,603		$	291,258
The proceeds from sales, calls and maturities of available for sale securities, including principal payments received on mortgage-backed obligations, and the related gross gains and losses realized, for the nine months ended September 30, 2013 are as follows:
				Calls and			Principal
Dollars in thousands	Sales			Maturities			Payments			Gains			Losses
Securities available for sale	$	41,188		$	1,258		$	50,650		$	362		$	246
During the three and nine months ended September 30, 2013 and 2012, we recorded other-than-temporary impairment losses on residential mortgage-backed nongovernment sponsored entity securities as follows:
	Three Months Ended						Nine Months Ended
	September 30,						September 30,
In thousands	2013			2012			2013			2012
Total other-than-temporary impairment losses	$	(38	)	$	(233	)	$	(155	)	$	(1,115	)
Portion of loss recognized in
other comprehensive income		-			194			37			740
Net impairment losses recognized in earnings	$	(38	)	$	(39	)	$	(118	)	$	(375	)
Activity related to the credit component recognized on debt securities available for sale for which a portion of other-than-temporary impairment was recognized in other comprehensive income for the three and nine months ended September 30, 2013 is as follows:
	Three Months Ended			Nine Months Ended
	30-Sep-13			30-Sep-13
In thousands	Total			Total
Beginning Balance	$	2,984		$	2,904
Additions for the credit component on debt securities in which
other-than-temporary impairment was not previously recognized		38			118
Securities sold during the period		-			-
Ending Balance	$	3,022		$	3,022
At September 30, 2013, our debt securities with other-than-temporary impairment in which only the amount of loss related to credit was recognized in earnings consisted solely of residential mortgage-backed securities issued by nongovernment-sponsored entities. We utilize third party vendors to estimate the portion of loss attributable to credit using a discounted cash flow models. The vendors estimate cash flows of the underlying collateral of each mortgage-backed security using models that incorporate their best estimates of current key assumptions, such as default rates, loss severity and prepayment rates. Assumptions utilized vary widely from security to security, and are influenced by such factors as underlying loan interest rates, geographical location of underlying borrowers, collateral type and other borrower characteristics.
Our vendors performing these valuations also analyze the structure of each mortgage-backed instrument in order to determine how the estimated cash flows of the underlying collateral will be distributed to each security issued from the structure. Expected principal and interest cash flows on the impaired debt securities are discounted predominantly using unobservable discount rates which the vendors assume that market participants would utilize in pricing the specific security. Based on the discounted expected cash flows derived from our vendor’s models, we expect to recover the remaining unrealized losses on residential mortgage-backed securities issued by nongovernment sponsored entities.
Provided below is a summary of securities available for sale which were in an unrealized loss position at September 30, 2013 and December 31, 2012, including debt securities for which a portion of other-than-temporary impairment has been recognized in other comprehensive income.
	30-Sep-13
	Less than 12 months						12 months or more						Total
	Estimated			Unrealized			Estimated			Unrealized			Estimated		Unrealized
Dollars in thousands	Fair Value			Loss			Fair Value			Loss			Fair Value		Loss
Temporarily impaired securities
Taxable debt securities
U. S. Government agencies
and corporations	$	7,770		$	(67	)	$	-		$	-		$	7,770	$	(67	)
Residential mortgage-backed securities:
Government-sponsored agencies		48,957			(1,011	)		11,754			(215	)		60,711		(1,226	)
Nongovernment-sponsored entities		355			(1	)		858			(8	)		1,213		(9	)
State and political subdivisions:
General obligations		5,806			(316	)		876			(67	)		6,682		(383	)
Water and sewer revenues		634			(35	)		1,175			(56	)		1,809		(91	)
Other revenues		3,185			(112	)		-			-			3,185		(112	)
Corporate debt securities		2,954			(45	)		-			-			2,954		(45	)
Tax-exempt debt securities
State and political subdivisions:
General obligations		21,134			(1,112	)		-			-			21,134		(1,112	)
Water and sewer revenues		6,505			(290	)		-			-			6,505		(290	)
Lease revenues		7,522			(424	)		366			(17	)		7,888		(441	)
Lottery/casino revenues		3,292			(166	)		-			-			3,292		(166	)
Other revenues		5,407			(212	)		-			-			5,407		(212	)
Total temporarily impaired securities		113,521			(3,791	)		15,029			(363	)		128,550		(4,154	)
Other-than-temporarily impaired securities
Taxable debt securities
Residential mortgage-backed securities:
Nongovernment-sponsored entities		-			-			-			-			-		-
Total other-than-temporarily
impaired securities		-			-			-			-			-		-
Total	$	113,521		$	(3,791	)	$	15,029		$	(363	)	$	128,550	$	(4,154	)
	31-Dec-12
	Less than 12 months						12 months or more						Total
	Estimated			Unrealized			Estimated			Unrealized			Estimated		Unrealized
Dollars in thousands	Fair Value			Loss			Fair Value			Loss			Fair Value		Loss
Temporarily impaired securities
Taxable debt securities
U. S. Government agencies
and corporations	$	-		$	-		$	-		$	-		$	-	$	-
Residential mortgage-backed securities:
Government-sponsored agencies		36,498			(414	)		8,997			(78	)		45,495		(492	)
Nongovernment-sponsored entities		-			(4	)		1,478			(14	)		1,478		(18	)
State and political subdivisions:
General obligations		2,526			(57	)		-			-			2,526		(57	)
Water and sewer revenues		1,240			(28	)		387			(4	)		1,627		(32	)
Other revenues		-			-			-			-			-		-
Corporate debt securities		-			-			962			(38	)		962		(38	)
Tax-exempt debt securities
State and political subdivisions:
General obligations		11,926			(145	)		-			-			11,926		(145	)
Water and sewer revenues		2,534			(47	)		-			-			2,534		(47	)
Lease revenues		1,013			(13	)		-			-			1,013		(13	)
Lottery/casino revenues		1,777			(9	)		-			-			1,777		(9	)
Other revenues		2,684			(23	)		-			-			2,684		(23	)
Other equity securties		-			-			-			-			-		-
Total temporarily impaired securities		60,198			(740	)		11,824			(134	)		72,022		(874	)
Other-than-temporarily impaired securities
Taxable debt securities
Residential mortgage-backed securities:
Nongovernment-sponsored entities		265			(6	)		593			(120	)		858		(126	)
Total other-than-temporarily
impaired securities		265			(6	)		593			(120	)		858		(126	)
Total	$	60,463		$	(746	)	$	12,417		$	(254	)	$	72,880	$	(1,000	)
We held 127 available for sale securities having an unrealized loss at September 30, 2013. We do not intend to sell these securities, and it is more likely than not that we will not be required to sell these securities before recovery of their amortized cost bases. We believe that this decline in value is primarily attributable to the lack of market liquidity and to changes in market interest rates and not due to credit quality. Accordingly, no additional other-than-temporary impairment charge to earnings is warranted at this time.

6_Loans

6. Loans	9 Months Ended
	Sep. 30, 2013
Loans and Leases Receivable Disclosure [Abstract]	'
Loans	'
	Loans are generally stated at the amount of unpaid principal, reduced by unearned discount and allowance for loan losses. Interest on loans is accrued daily on the outstanding balances. Loan origination fees and certain direct loan origination costs are deferred and amortized as adjustments of the related loan yield over its contractual life. We categorize residential real estate loans in excess of $600,000 as jumbo loans.
	Generally, loans are placed on nonaccrual status when principal or interest is greater than 90 days past due based upon the loan's contractual terms. Interest is accrued daily on impaired loans unless the loan is placed on nonaccrual status. Impaired loans are placed on nonaccrual status when the payments of principal and interest are in default for a period of 90 days, unless the loan is both well-secured and in the process of collection. Interest on nonaccrual loans is recognized primarily using the cost-recovery method. Loans may be returned to accrual status when repayment is reasonably assured and there has been demonstrated performance under the terms of the loan or, if applicable, the terms of the restructured loans.
	Commercial-related loans or portions thereof (which are risk-rated) are charged off to the allowance for loan losses when the loss has been confirmed. This determination is made on a case by case basis considering many factors, including the prioritization of our claim in bankruptcy, expectations of the workout/restructuring of the loan and valuation of the borrower’s equity. We deem a loss confirmed when a loan or a portion of a loan is classified “loss” in accordance with bank regulatory classification guidelines, which state, “Assets classified loss are considered uncollectible and of such little value that their continuance as bankable assets is not warranted”.
	Consumer-related loans are generally charged off to the allowance for loan losses upon reaching specified stages of delinquency, in accordance with the Federal Financial Institutions Examination Council policy. For example, credit card loans are charged off by the end of the month in which the account becomes 180 days past due or within 60 days from receiving notification about a specified event (e.g., bankruptcy of the borrower), which ever is earlier. Residential mortgage loans are generally charged off to net realizable value no later than when the account becomes 180 days past due. Other consumer loans, if collateralized, are generally charged off to net realizable value at 120 days past due.
	Loans are summarized as follows:
			September 30,				December 31,				September 30,
	Dollars in thousands		2013				2012				2012
	Commercial		$	83,844			$	85,829			$	88,997
	Commercial real estate
	Owner-occupied			151,260				154,252				150,090
	Non-owner occupied			279,412				276,082				279,132
	Construction and development
	Land and land development			73,089				79,335				82,857
	Construction			12,323				3,772				2,087
	Residential real estate
	Non-jumbo			215,058				216,714				215,584
	Jumbo			59,701				61,567				62,748
	Home equity			53,674				53,263				53,455
	Consumer			20,472				20,586				21,290
	Other			3,375				3,701				2,513
	Total loans, net of unearned fees			952,208				955,101				958,753
	Less allowance for loan losses			13,039				17,933				17,820
	Loans, net		$	939,169			$	937,168			$	940,933
	The following table presents the contractual aging of the recorded investment in past due loans by class as of September 30, 2013 and 2012 and December 31, 2012.
			At September 30, 2013
																							Recorded
																							Investment
			Past Due																				> 90 days
	Dollars in thousands		30-59 days				60-89 days				> 90 days				Total				Current				and Accruing
	Commercial		$	10			$	111			$	1,583			$	1,704			$	82,140			$	-
	Commercial real estate
	Owner-occupied			846				229				432				1,507				149,753				-
	Non-owner occupied			587				244				-				831				278,581				-
	Construction and development
	Land and land development			154				-				8,669				8,823				64,266				-
	Construction			-				-				38				38				12,285				-
	Residential mortgage
	Non-jumbo			3,467				2,031				2,225				7,723				207,335				-
	Jumbo			-				-				9,000				9,000				50,701				-
	Home equity			214				49				24				287				53,387				-
	Consumer			197				77				91				365				20,107				-
	Other			50				-				-				50				3,325				-
	Total		$	5,525			$	2,741			$	22,062			$	30,328			$	921,880			$	-
			At December 31, 2012
																							Recorded
																							Investment
			Past Due																				> 90 days
	Dollars in thousands		30-59 days				60-89 days				> 90 days				Total				Current				and Accruing
	Commercial		$	225			$	5			$	2,294			$	2,524			$	83,305			$	-
	Commercial real estate
	Owner-occupied			57				-				1,023				1,080				153,172				-
	Non-owner occupied			182				193				908				1,283				274,799				-
	Construction and development
	Land and land development			-				-				11,795				11,795				67,540				-
	Construction			-				-				153				153				3,619				-
	Residential mortgage
	Non-jumbo			3,344				2,616				2,797				8,757				207,957				-
	Jumbo			-				-				12,564				12,565				49,002				-
	Home equity			337				448				179				964				52,299				-
	Consumer			255				79				48				382				20,204				-
	Other			-				-				-				-				3,701				-
	Total		$	4,400			$	3,341			$	31,761			$	39,503			$	915,598			$	-
			At September 30, 2012
																						Recorded
																						Investment
		Past Due																				> 90 days
Dollars in thousands		30-59 days				60-89 days				> 90 days				Total				Current				and Accruing
Commercial		$	273			$	634			$	1,594			$	2,501			$	86,496			$	-
Commercial real estate
Owner-occupied			216				581				400				1,197				148,893				-
Non-owner occupied			513				-				1,882				2,395				276,737				-
Construction and development
Land and land development			17				39				13,412				13,468				69,389				-
Construction			50				-				153				203				1,884				-
Residential mortgage
Non-jumbo			2,681				2,029				2,544				7,254				208,330				-
Jumbo			-				-				15,273				15,273				47,475				-
Home equity			280				5				149				434				53,021				-
Consumer			319				36				46				401				20,889				-
Other			-				-				-				-				2,513				-
Total		$	4,349			$	3,324			$	35,453			$	43,126			$	915,627			$	-
Nonaccrual loans: The following table presents the nonaccrual loans included in the net balance of loans at September 30, 2013, December 31, 2012 and September 30, 2012.
Dollars in thousands		9/30/13				12/31/12				9/30/12
Commercial		$	2,557			$	5,002			$	5,343
Commercial real estate
Owner-occupied			3,795				1,524				921
Non-owner occupied			-				1,032				1,882
Construction and development
Land & land development			12,851				13,487				16,558
Construction			38				154				203
Residential mortgage
Non-jumbo			3,119				3,518				3,122
Jumbo			9,000				12,564				15,272
Home equity			266				440				415
Consumer			145				55				87
Other			-				-				-
Total		$	31,771			$	37,776			$	43,803
Impaired loans: Impaired loans include the following:
§	Loans which we risk-rate (consisting of loan relationships having aggregate balances in excess of $2.0 million, or loans exceeding $500,000 and exhibiting credit weakness) through our normal loan review procedures and which, based on current information and events, it is probable that we will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement. Risk-rated loans with insignificant delays or insignificant short falls in the amount of payments expected to be collected are not considered to be impaired.
§	Loans that have been modified in a troubled debt restructuring.
Both commercial and consumer loans are deemed impaired upon being contractually modified in a troubled debt restructuring. Troubled debt restructurings typically result from our loss mitigation activities and occur when we grant a concession to a borrower who is experiencing financial difficulty in order to minimize our economic loss and to avoid foreclosure or repossession of collateral. Once restructured in a troubled debt restructuring, a loan is generally considered impaired until its maturity, regardless of whether the borrower performs under the modified terms. Although such a loan may be returned to accrual status if the criteria set forth in our accounting policy are met, the loan would continue to be evaluated for an asset-specific allowance for loan losses and we would continue to report the loan in the impaired loan table below.
The table below sets forth information about our impaired loans.
Method Used to Measure Impairment of Impaired Loans
Dollars in thousands
Loan Category		9/30/13				12/31/12				9/30/12			Method used to
													measure impairment
Commerical		$	5,997			$	10,776			$	12,411		Fair value of collateral
			160				165				-		Discounted cash flow
Commerical real estate
Owner-occupied			9,054				14,028				13,248		Fair value of collateral
			2,497				2,686				2,698		Discounted cash flow
Non-owner occupied			5,884				9,468				12,057		Fair value of collateral
Construction and development
Land & land development			24,870				29,307				30,482		Fair value of collateral
			649				656				656		Discounted cash flow
Residential mortgage
Non-jumbo			5,133				5,626				5,461		Fair value of collateral
			884				692				959		Discounted cash flow
Jumbo			17,786				21,543				23,094		Fair value of collateral
Home equity			213				219				219		Fair value of collateral
Consumer			52				66				42		Fair value of collateral
Total		$	73,179			$	95,232			$	101,327
The following tables present loans individually evaluated for impairment at September 30, 2013, December 31, 2012 and September 30, 2012.
		30-Sep-13
														Average				Interest Income
		Recorded				Unpaid				Related				Impaired				Recognized
Dollars in thousands		Investment				Principal Balance				Allowance				Balance				while impaired
Without a related allowance
Commercial		$	4,254			$	4,268			$	-			$	5,632			$	334
Commercial real estate
Owner-occupied			7,609				7,613				-				8,839				293
Non-owner occupied			5,368				5,370				-				5,800				289
Construction and development
Land & land development			20,923				20,921				-				20,331				404
Construction			-				-				-				-				-
Residential real estate
Non-jumbo			2,888				2,895				-				2,930				171
Jumbo			7,876				7,882				-				8,168				419
Home equity			186				186				-				186				11
Consumer			28				28				-				32				2
Total without a related allowance		$	49,132			$	49,163			$	-			$	51,918			$	1,923
With a related allowance
Commercial		$	1,891			$	1,889			$	702			$	2,537			$	-
Commercial real estate
Owner-occupied			3,938				3,938				216				3,956				138
Non-owner occupied			514				514				110				516				28
Construction and development
Land & land development			4,597				4,598				1,390				3,992				121
Construction			-				-				-				-				-
Residential real estate
Non-jumbo			3,119				3,122				316				2,843				130
Jumbo			9,904				9,904				1,040				10,152				45
Home equity			27				27				27				27				-
Consumer			24				24				13				25				1
Total with a related allowance		$	24,014			$	24,016			$	3,814			$	24,048			$	463
Total
Commercial		$	49,094			$	49,111			$	2,418			$	51,603			$	1,607
Residential real estate			24,000				24,016				1,383				24,306				776
Consumer			52				52				13				57				3
Total		$	73,146			$	73,179			$	3,814			$	75,966			$	2,386
		31-Dec-12
														Average				Interest Income
		Recorded				Unpaid				Related				Impaired				Recognized
Dollars in thousands		Investment				Principal Balance				Allowance				Balance				while impaired
Without a related allowance
Commercial		$	10,518			$	10,537			$	-			$	3,131			$	134
Commercial real estate
Owner-occupied			9,992				9,996				-				8,528				368
Non-owner occupied			6,143				6,145				-				6,056				304
Construction and development
Land & land development			11,596				11,596				-				11,093				367
Construction			-				-				-				-				-
Residential real estate
Non-jumbo			3,497				3,505				-				3,040				125
Jumbo			7,347				7,349				-				5,399				272
Home equity			191				191				-				191				11
Consumer			38				38				-				32				1
Total without a related allowance		$	49,322			$	49,357			$	-			$	37,470			$	1,582
With a related allowance
Commercial		$	404			$	404			$	85			$	515			$	6
Commercial real estate
Owner-occupied			6,719				6,718				461				4,442				187
Non-owner occupied			3,321				3,323				286				3,341				115
Construction and development
Land & land development			18,367				18,367				2,611				17,633				344
Construction			-				-				-				-				-
Residential real estate
Non-jumbo			2,812				2,813				394				2,378				77
Jumbo			14,189				14,194				3,216				13,585				59
Home equity			28				28				28				29				-
Consumer			28				28				16				2				-
Total with a related allowance		$	45,868			$	45,875			$	7,097			$	41,925			$	788
Total
Commercial		$	67,060			$	67,086			$	3,443			$	54,739			$	1,825
Residential real estate			28,064				28,080				3,638				24,622				544
Consumer			66				66				16				34				1
Total		$	95,190			$	95,232			$	7,097			$	79,395			$	2,370
		30-Sep-12
														Average				Interest Income
		Recorded				Unpaid				Related				Impaired				Recognized
Dollars in thousands		Investment				Principal Balance				Allowance				Balance				while impaired
Without a related allowance
Commercial		$	12,059			$	12,075			$	-			$	3,148			$	54
Commercial real estate
Owner-occupied			11,370				11,373				-				8,058				346
Non-owner occupied			8,537				8,540				-				6,349				304
Construction and development
Land & land development			15,624				15,624				-				14,060				524
Construction			-				-				-				-				-
Residential real estate
Non-jumbo			3,987				3,996				-				3,545				135
Jumbo			8,902				8,905				-				6,497				257
Home equity			191				191				-				192				12
Consumer			39				38				-				30				1
Total without a related allowance		$	60,709			$	60,742			$	-			$	41,879			$	1,633
With a related allowance
Commercial		$	336			$	336			$	86			$	299			$	6
Commercial real estate
Owner-occupied			4,573				4,573				241				4,409				209
Non-owner occupied			3,516				3,517				475				3,361				115
Construction and development
Land & land development			15,514				15,514				2,762				15,026				182
Construction			-				-				-				-				-
Residential real estate
Non-jumbo			2,422				2,424				502				1,787				101
Jumbo			14,183				14,189				3,211				13,193				32
Home equity			28				28				28				29				-
Consumer			4				4				4				1				-
Total with a related allowance		$	40,576			$	40,585			$	7,309			$	38,105			$	645
Total
Commercial		$	71,529			$	71,552			$	3,564			$	54,710			$	1,740
Residential real estate			29,713				29,733				3,741				25,243				537
Consumer			43				42				4				31				1
Total		$	101,285			$	101,327			$	7,309			$	79,984			$	2,278
A modification of a loan is considered a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession that we would not otherwise consider. This may include a transfer of real estate or other assets from the borrower, a modification of loan terms, or a combination of both. A loan continues to be classified as a TDR for the life of the loan. Included in impaired loans are TDRs of $43.8 million, of which $33.7 million were current with respect to restructured contractual payments at September 30, 2013, and $56.7 million, of which $42.3 million were current with respect to restructured contractual payments at December 31, 2012. There were no commitments to lend additional funds under these restructurings at either balance sheet date.
The following table presents by class the TDRs that were restructured during the three and nine months ended September 30, 2013 and 2012. Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate. All TDRs are evaluated individually for allowance for loan loss purposes.
		For the Three Months Ended												For the Three Months Ended
		30-Sep-13												30-Sep-12
						Pre-modification				Post-modification								Pre-modification				Post-modification
		Number of				Recorded				Recorded				Number of				Recorded				Recorded
Dollars in thousands		Modifications				Investment				Investment				Modifications				Investment				Investment
Commercial			-			$	-			$	-				-			$	-			$	-
Commercial real estate
Owner-occupied			-				-				-				-				-				-
Non-owner occupied			-				-				-				1				1,929				1,929
Construction and development
Land & land development			-				-				-				2				1,927				1,927
Construction			-				-				-				-				-				-
Residential real estate
Non-jumbo			2				487				487				3				688				688
Jumbo			-				-				-				-				-				-
Home equity			-				-				-				-				-				-
Consumer			-				-				-				-				-				-
Total			2			$	487			$	487				6			$	4,544			$	4,544
		For the Nine Months Ended												For the Nine Months Ended
		30-Sep-13												30-Sep-12
						Pre-modification				Post-modification								Pre-modification				Post-modification
		Number of				Recorded				Recorded				Number of				Recorded				Recorded
Dollars in thousands		Modifications				Investment				Investment				Modifications				Investment				Investment
Commercial			1			$	23			$	23				3			$	1,109			$	1,117
Commercial real estate
Owner-occupied			-				-				-				-				-				-
Non-owner occupied			-				-				-				3				4,063				3,685
Construction and development
Land & land development			1				49				50				3				3,715				2,927
Construction			-				-				-				-				-				-
Residential real estate
Non-jumbo			4				728				514				7				1,245				1,256
Jumbo			-				-				-				3				2,301				2,701
Home equity			-				-				-				-				-				-
Consumer			-				-				-				2				42				42
Total			6			$	800			$	587				21			$	12,475			$	11,728
The following table presents defaults during the stated period of TDRs that were restructured during the past twelve months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.
		For the Three Months Ended								For the Nine Months Ended
		30-Sep-13								30-Sep-13
		Number				Recorded				Number				Recorded
		of				Investment				of				Investment
Dollars in thousands		Defaults				at Default Date				Defaults				at Default Date
Commercial			-			$	-				-			$	-
Commercial real estate
Owner-occupied			-				-				-				-
Non-owner occupied			-				-				-				-
Construction and development
Land & land development			-				-				2				1,676
Construction			-				-				-				-
Residential real estate
Non-jumbo			1				239				3				760
Jumbo			-				-				-				-
Home equity			-				-				-				-
Consumer			2				22				2				24
Total			3			$	261				7			$	2,460
The following tables detail the activity regarding TDRs by loan type for the three months and nine months ended September 30, 2013, and the related allowance on TDRs.
For the Three Months Ended September 30, 2013
		Construction & Land Development
		Land &									Commercial Real Estate						Residential Real Estate
		Land												Non-
		Develop-			Construc-			Commer-			Owner			Owner			Non-						Home		Con-
Dollars in thousands		ment			tion			cial			Occupied			Occupied			jumbo			Jumbo			Equity		sumer			Other		Total
Troubled debt restructurings
Balance June 30, 2013		$	8,549		$	-		$	3,735		$	9,986		$	5,367		$	5,018		$	15,349		$	-	$	62		$	-	$	48,066
Additions			-			-			-			-			-			487			-			-		-			-		487
Charge-offs			-			-			-			-			-			-			(113	)		-		-			-		(113	)
Net (paydowns) advances			(3,007	)		-			(1,441	)		(211	)		(31	)		(28	)		84			-		(10	)		-		(4,644	)
Transfer into OREO			-			-			-			-			-			-			-			-		-			-		-
Refinance out of TDR status			-			-			-			-			-			-			-			-		-			-		-
Balance September 30, 2013		$	5,542		$	-		$	2,294		$	9,775		$	5,336		$	5,477		$	15,320		$	-	$	52		$	-	$	43,796
Allowance related to troubled debt restructurings		$	22		$	-		$	131		$	216		$	110		$	302		$	1,040		$	-	$	13		$	-	$	1,834
For the Nine Months Ended September 30, 2013
		Construction & Land Development
		Land &									Commercial Real Estate						Residential Real Estate
		Land												Non-
		Develop-			Construc-			Commer-			Owner			Owner			Non-						Home		Con-
Dollars in thousands		ment			tion			cial			Occupied			Occupied			jumbo			Jumbo			Equity		sumer			Other		Total
Troubled debt restructurings
Balance December 31, 2012		$	9,570		$	-		$	4,981		$	10,692		$	7,331		$	5,089		$	19,000		$	-	$	65		$	-	$	56,728
Additions			49			-			23			-			-			728			-			-		-			-		800
Charge-offs			(888	)		-			(33	)		(63	)		-			(9	)		(3,678	)		-		-			-		(4,671	)
Net paydowns			(3,189	)		-			(2,677	)		(336	)		(104	)		(331	)		(2	)		-		(13	)		-		(6,652	)
Transfer into OREO			-			-			-			(518	)		-			-			-			-		-			-		(518	)
Refinance out of TDR status			-			-			-			-			(1,891	)		-			-			-		-			-		(1,891	)
Balance September 30, 2013		$	5,542		$	-		$	2,294		$	9,775		$	5,336		$	5,477		$	15,320		$	-	$	52		$	-	$	43,796
Allowance related to troubled debt restructurings		$	22		$	-		$	131		$	216		$	110		$	302		$	1,040		$	-	$	13		$	-	$	1,834
We categorize loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. We analyze loans individually by classifying the loans as to credit risk. We internally grade all commercial loans at the time of loan origination. In addition, we perform an annual loan review on all non-homogenous commercial loan relationships with an aggregate exposure of $2 million, at which time these loans are re-graded. We use the following definitions for our risk grades:
Pass: Loans graded as Pass are loans to borrowers of acceptable credit quality and risk. They are higher quality loans that do not fit any of the other categories described below.
OLEM (Special Mention): Commercial loans categorized as OLEM are potentially weak. The credit risk may be relatively minor yet represent a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the asset may weaken or inadequately protect our position in the future.
Substandard: Commercial loans categorized as Substandard are inadequately protected by the borrower’s ability to repay, equity, and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. These loans are characterized by the distinct possibility that we will sustain some loss if the identified weaknesses are not mitigated.
Doubtful: Commercial loans categorized as Doubtful have all the weaknesses inherent in those loans classified as Substandard, with the added elements that the full collection of the loan is improbable and the possibility of loss is high.
Loss: Loans classified as loss are considered to be non-collectible and of such little value that their continuance as a bankable asset is not warranted. This does not mean that the loan has absolutely no recovery value, but rather it is neither practical nor desirable to defer writing off the loan, even though partial recovery may be obtained in the future.
The following table presents the recorded investment in construction and development, commercial, and commercial real estate loans which are generally evaluated based upon the internal risk ratings defined above.
Loan Risk Profile by Internal Risk Rating
		Construction and Development																		Commercial Real Estate
		Land and land development						Construction						Commercial						Owner Occupied					Non-Owner Occupied
Dollars in thousands		9/30/13			12/31/12			9/30/13			12/31/12			9/30/13			12/31/12			9/30/13			12/31/12		9/30/13			12/31/12
Pass		$	43,400		$	43,572		$	12,285		$	3,619		$	75,968		$	73,425		$	145,349		$	139,176	$	268,002		$	262,132
OLEM (Special Mention)			5,603			7,349			-			-			1,501			1,260			1,422			1,034		11,141			11,477
Substandard			23,977			28,414			38			153			5,264			11,144			4,489			14,042		269			2,473
Doubtful			109			-			-			-			1,111			-			-			-		-			-
Loss			-			-			-			-			-			-			-			-		-			-
Total		$	73,089		$	79,335		$	12,323		$	3,772		$	83,844		$	85,829		$	151,260		$	154,252	$	279,412		$	276,082
The following table presents the recorded investment in consumer, residential real estate, and home equity loans, which are generally evaluated based on the aging status of the loans, which was previously presented, and payment activity.
		Performing												Nonperforming
Dollars in thousands		9/30/13				12/31/12				9/30/12				9/30/13				12/31/12				9/30/12
Residential real estate
Non-jumbo		$	211,939			$	213,196			$	212,529			$	3,119			$	3,518			$	3,055
Jumbo			50,701				49,003				47,476				9,000				12,564				15,272
Home Equity			53,408				52,823				53,040				266				440				415
Consumer			20,327				20,531				21,202				145				55				88
Other			3,375				3,701				2,513				-				-				-
Total		$	339,750			$	339,254			$	336,760			$	12,530			$	16,577			$	18,830
Loan commitments: ASC Topic 815, Derivatives and Hedging, requires that commitments to make mortgage loans should be accounted for as derivatives if the loans are to be held for sale, because the commitment represents a written option and accordingly is recorded at the fair value of the option liability.

7_Allowance_For_Loan_Losses

7. Allowance For Loan Losses	9 Months Ended
	Sep. 30, 2013
Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]	'
Allowance For Loan Losses	'
	An analysis of the allowance for loan losses for the nine month periods ended September 30, 2013 and 2012, and for the year ended December 31, 2012 is as follows:
		Nine Months Ended							Year Ended
		September 30,							December 31,
	Dollars in thousands	2013			2012				2012
	Balance, beginning of year	$	17,933		$	17,712			$	17,712
	Losses:
	Commercial		205			355				1,273
	Commercial real estate
	Owner occupied		1,067			636				636
	Non-owner occupied		9			436				806
	Construction and development
	Land and land development		3,560			2,319				3,390
	Construction		-			367				367
	Residential real estate
	Non-jumbo		494			1,257				1,372
	Jumbo		3,739			737				737
	Home equity		77			5				5
	Consumer		55			91				136
	Other		84			69				95
	Total		9,290			6,272				8,817
	Recoveries:
	Commercial		7			7				13
	Commercial real estate
	Owner occupied		2			24				33
	Non-owner occupied		633			20				31
	Construction and development
	Land and land development		13			16				61
	Construction		-			-				-
	Real estate - mortgage
	Non-jumbo		106			51				81
	Jumbo		4			85				86
	Home equity		4			60				61
	Consumer		53			53				95
	Other		74			62				77
	Total		896			378				538
	Net losses		8,394			5,894				8,279
	Provision for loan losses		3,500			6,002				8,500
	Balance, end of year	$	13,039		$	17,820			$	17,933
	Activity in the allowance for loan losses by loan class during the first nine months of 2013 is as follows:
	For the Nine Months Ended September 30, 2013
		Construction & Land Development
		Land &								Commercial Real Estate					Residential Real Estate
		Land										Non-
	Dollars in	Develop-		Construc-			Commer-			Owner		Owner			Non-					Home			Con-
	thousands	ment		tion			cial			Occupied		Occupied			jumbo			Jumbo		Equity			sumer			Other		Total
	Allowance for loan losses
	Beginning balance	$	5,220	$	138		$	782		$	1,387	$	3,269		$	2,617		$	3,942	$	425		$	132		$	21	$	17,933
	Charge-offs		3,560		-			205			1,067		9			494			3,739		77			55			84		9,290
	Recoveries		13		-			7			2		633			106			4		4			53			74		896
	Provision		2,780		95			888			1,071		(3,716	)		(66	)		2,636		(162	)		(43	)		17		3,500
	Ending balance	$	4,453	$	233		$	1,472		$	1,393	$	177		$	2,163		$	2,843	$	190		$	87		$	28	$	13,039
	Allowance related to:
	Loans individually
	evaluated for impairment	$	1,390	$	-		$	702		$	216	$	110		$	316		$	1,040	$	27		$	13		$	-	$	3,814
	Loans collectively
	evaluated for impairment		3,063		233			770			1,177		67			1,847			1,803		163			74			28		9,225
	Loans acquired with
	deteriorated credit quality		-		-			-			-		-			-			-		-			-			-		-
	Total	$	4,453	$	233		$	1,472		$	1,393	$	177		$	2,163		$	2,843	$	190		$	87		$	28	$	13,039
	Loans
	Loans individually
	evaluated for impairment	$	25,519	$	-		$	6,157		$	11,551	$	5,884		$	6,017		$	17,786	$	213		$	52		$	-	$	73,179
	Loans collectively
evaluated for impairment		47,570		12,323			77,687			139,709		273,528			209,041			41,915		53,461			20,420			3,375	$	879,029
Loans acquired with
deteriorated credit quality		-		-			-			-		-			-			-		-			-			-		-
Total	$	73,089	$	12,323		$	83,844		$	151,260	$	279,412		$	215,058		$	59,701	$	53,674		$	20,472		$	3,375	$	952,208

8_Goodwill_And_Other_Intangibl

8. Goodwill And Other Intangible Assets	9 Months Ended
	Sep. 30, 2013
Goodwill and Intangible Assets Disclosure [Abstract]	'
Goodwill And Other Intangible Assets	'
	The following tables present our goodwill by reporting unit at September 30, 2013 and other intangible assets by reporting unit at September 30, 2013 and December 31, 2012.
		Goodwill Activity
		Community		Insurance
	Dollars in thousands	Banking		Services		Total
	Balance, January 1, 2013	$	1,488	$	4,710	$	6,198
	Acquired goodwill, net		-		-		-
	Balance, September 30, 2013	$	1,488	$	4,710	$	6,198
		Other Intangible Assets
		30-Sep-13						31-Dec-12
		Community		Insurance				Community		Insurance
	Dollars in thousands	Banking		Services		Total		Banking		Services		Total
	Unidentifiable intangible assets
	Gross carrying amount	$	2,267	$	-	$	2,267	$	2,267	$	-	$	2,267
	Less: accumulated amortization		2,179		-		2,179		2,065		-		2,065
	Net carrying amount	$	88	$	-	$	88	$	202	$	-	$	202
	Identifiable intangible assets
	Gross carrying amount	$	-	$	3,000	$	3,000	$	-	$	3,000	$	3,000
	Less: accumulated amortization		-		1,250		1,250		-		1,100		1,100
	Net carrying amount	$	-	$	1,750	$	1,750	$	-	$	1,900	$	1,900
	We recorded amortization expense of approximately $263,000 for the nine months ended September 30, 2013 relative to our other intangible assets. Annual amortization is expected to be approximately $351,000 in 2013, $251,000 in 2014, and $200,000 for each of the years ending 2015 through 2017.

9_Deposits

9. Deposits	9 Months Ended
	Sep. 30, 2013
Deposits	'
Deposits	'
	The following is a summary of interest bearing deposits by type as of September 30, 2013 and 2012 and December 31, 2012:
		September 30,		December 31,			September 30,
	Dollars in thousands	2013		2012			2012
	Demand deposits, interest bearing	$	186,702	$	175,706		$	177,236
	Savings deposits		193,285		193,039			197,610
	Time deposits		537,639		557,788			555,697
	Total	$	917,626	$	926,533		$	930,543
	Included in time deposits are deposits acquired through a third party (“brokered deposits”) totaling $174.5 million, $190.4 million and $207.3 million at September 30, 2013, December 31, 2012, and September 30, 2012, respectively.
	A summary of the scheduled maturities for all time deposits as of September 30, 2013 is as follows:
	Dollars in thousands
	Three month period ending December 31, 2013	$	78,769
	Year ending December 31, 2014		174,501
	Year ending December 31, 2015		71,003
	Year ending December 31, 2016		84,033
	Year ending December 31, 2017		30,169
	Thereafter		99,164
		$	537,639
	The following is a summary of the maturity distribution of all certificates of deposit in denominations of $100,000 or more as of September 30, 2013:
	Dollars in thousands	Amount		Percent
	Three months or less	$	53,212		13.6	%
	Three through six months		23,785		6.1	%
	Six through twelve months		82,135		21	%
	Over twelve months		232,620		59.3	%
	Total	$	391,752		100	%

10_Borrowed_Funds

10. Borrowed Funds	9 Months Ended
	Sep. 30, 2013
Debt Disclosure [Abstract]	'
Borrowed Funds	'
	Short-term borrowings: A summary of short-term borrowings is presented below:
			Nine Months Ended September 30, 2013
						Federal Funds
			Short-term			Purchased
			FHLB			and Lines
	Dollars in thousands		Advances			of Credit
	Balance at September 30		$	45,200		$	8,963
	Average balance outstanding for the period			22,834			2,745
	Maximum balance outstanding at
	any month end during period			45,200			8,963
	Weighted average interest rate for the period			0.27	%		0.25	%
	Weighted average interest rate for balances
	outstanding at September 30			0.26	%		0.25	%
			Year Ended December 31, 2012
			Short-			Federal Funds
			term			Purchased
			FHLB			and Lines
	Dollars in thousands		Advances			of Credit
	Balance at December 31		$	3,000		$	958
	Average balance outstanding for the year			12,291			957
	Maximum balance outstanding at
	any month end			20,000			958
	Weighted average interest rate for the year			0.24	%		0.25	%
	Weighted average interest rate for balances
	outstanding at December 31			0.25	%		0.25	%
			Nine Months Ended September 30, 2012
			Short-			Federal Funds
			term			Purchased
			FHLB			and Lines
	Dollars in thousands		Advances			of Credit
	Balance at September 30		$	20,000		$	957
	Average balance outstanding for the period			13,294			956
	Maximum balance outstanding at
	any month end during period			20,000			957
	Weighted average interest rate for the period			0.23	%		0.25	%
	Weighted average interest rate for balances
	outstanding at September 30			0.26	%		0.25	%
	Long-term borrowings: Our long-term borrowings of $163.5million, $203.3 million and $203.7 million at September 30, 2013, December 31, 2012, and September 30, 2012 respectively, consisted primarily of advances from the Federal Home Loan Bank (“FHLB”) and structured reverse repurchase agreements with two unaffiliated institutions. All FHLB advances are collateralized primarily by similar amounts of residential mortgage loans, certain commercial loans, mortgage backed securities and securities of U. S. Government agencies and corporations.
									Balance at
			Balance at September 30,						December 31,
	Dollars in thousands		2013			2012			2012
	Long-term FHLB advances		$	82,624		$	122,718		$	122,693
	Long-term reverse repurchase agreements			72,000			72,000			72,000
	Term loans			8,916			9,026			8,575
	Total		$	163,540		$	203,744		$	203,268
	The term loans are secured by the common stock of our subsidiary bank. $5.4 million bears a variable interest rate of prime minus 50 basis points with a final maturity of 2017, and $3.5 million bears a fixed rate of 8% with a final maturity of 2023.
	Our long term FHLB borrowings and reverse repurchase agreements bear both fixed and variable rates and mature in varying amounts through the year 2019.
	The average interest rate paid on long-term borrowings for the nine month period ended September 30, 2013 was 3.89% compared to 3.92% for the first nine months of 2012.
	Subordinated debentures: We have subordinated debt totaling $16.8 million at September 30, 2013, December 31, 2012, and September 30, 2012. The subordinated debt qualifies as Tier 2 capital under Federal Reserve Board guidelines until the debt is within 5 years of its maturity; thereafter the amount qualifying as Tier 2 capital is reduced by 20 percent each year until maturity. During 2009, we issued $6.8 million in subordinated debt, of which $5 million was issued to an affiliate of a director of Summit. We also issued $1.0 million and $0.8 million to two unrelated parties. These three issuances bear an interest rate of 10 percent per annum, a term of 10 years, and are not prepayable by us within the first five years. During 2008, we issued $10 million of subordinated debt to an unrelated institution, which bears a variable interest rate of 1 month LIBOR plus 275 basis points and a term of 7.5 years.
	Subordinated debentures owed to unconsolidated subsidiary trusts: We have three statutory business trusts that were formed for the purpose of issuing mandatorily redeemable securities (the “capital securities”) for which we are obligated to third party investors and investing the proceeds from the sale of the capital securities in our junior subordinated debentures (the “debentures”). The debentures held by the trusts are their sole assets. Our subordinated debentures totaled $19.6 million at September 30, 2013, December 31, 2012, and September 30, 2012.
	In October 2002, we sponsored SFG Capital Trust I, in March 2004, we sponsored SFG Capital Trust II, and in December 2005, we sponsored SFG Capital Trust III, of which 100% of the common equity of each trust is owned by us. SFG Capital Trust I issued $3.5 million in capital securities and $109,000 in common securities and invested the proceeds in $3.61 million of debentures. SFG Capital Trust II issued $7.5 million in capital securities and $232,000 in common securities and invested the proceeds in $7.73 million of debentures. SFG Capital Trust III issued $8.0 million in capital securities and $248,000 in common securities and invested the proceeds in $8.25 million of debentures. Distributions on the capital securities issued by the trusts are payable quarterly at a variable interest rate equal to 3 month LIBOR plus 345 basis points for SFG Capital Trust I, 3 month LIBOR plus 280 basis points for SFG Capital Trust II, and 3 month LIBOR plus 145 basis points for SFG Capital Trust III, and equals the interest rate earned on the debentures held by the trusts, and is recorded as interest expense by us. The capital securities are subject to mandatory redemption in whole or in part, upon repayment of the debentures. We have entered into agreements which, taken collectively, fully and unconditionally guarantee the capital securities subject to the terms of the guarantee. The debentures of each Capital Trust are redeemable by us quarterly.
	The capital securities held by SFG Capital Trust I, SFG Capital Trust II, and SFG Capital Trust III qualify as Tier 1 capital under Federal Reserve Board guidelines. In accordance with these Guidelines, trust preferred securities generally are limited to 25% of Tier 1 capital elements, net of goodwill. The amount of trust preferred securities and certain other elements in excess of the limit can be included in Tier 2 capital.
	A summary of the maturities of all long-term borrowings and subordinated debentures for the next five years and thereafter is as follows:
										Subordinated
										debentures owed
				Long-term			Subordinated			to unconsolidated subsidiary
	Dollars in thousands			borrowings			debentures			trusts
	Year Ending December 31,	2013		$	24		$	-		$	-
		2014			82,527			-			-
		2015			1,909			10,000			-
		2016			28,911			-			-
		2017			918			-			-
		Thereafter			49,251			6,800			19,589
			$	163,540		$	16,800		$	19,589

11_Stock_Option_Plan

11. Stock Option Plan	9 Months Ended
	Sep. 30, 2013
Shares Held in Employee Stock Ownership Plan [Abstract]	'
Stock Option Plan	'
	The 2009 Officer Stock Option Plan was adopted by our shareholders in May 2009 and provides for the granting of stock options for up to 350,000 shares of common stock to our key officers. Each option granted under the Plan vests according to a schedule designated at the grant date and has a term of no more than 10 years following the vesting date. Also, the option price per share was not to be less than the fair market value of our common stock on the date of grant. The 2009 Officer Stock Option Plan, which expires in May 2019, replaces the 1998 Officer Stock Option Plan (collectively the “Plans”) that expired in May 2008.
	The fair value of our employee stock options granted is estimated at the date of grant using the Black-Scholes option-pricing model. This model requires the input of highly subjective assumptions, changes to which can materially affect the fair value estimate. Additionally, there may be other factors that would otherwise have a significant effect on the value of employee stock options granted but are not considered by the model. Because our employee stock options have characteristics significantly different from those of traded options and because changes in the subjective input assumptions can materially affect the fair value estimate, in management’s opinion, the existing models do not necessarily provide a reliable single measure of the fair value of its employee stock options at the time of grant. There were no options granted during the first nine months of 2013 or 2012.
	We recognize compensation expense based on the estimated number of stock awards expected to actually vest, exclusive of the awards expected to be forfeited. During the first nine months of 2013 and 2012, our stock compensation expense and related deferred taxes were insignificant.
	A summary of activity in our Plans during the first nine months of 2013 and 2012 is as follows:
			For the Nine Months Ended September 30,
			2013								2012
							Weighted-								Weighted-
							Average								Average
							Exercise								Exercise
			Options				Price				Options				Price
	Outstanding, January 1			249,700			$	18.98				317,180			$	18.17
	Granted			-				-				-				-
	Exercised			(15,200	)			5.27				-				-
	Forfeited			(1,750	)			19.69				-				-
	Expired			(39,700	)			23.41				(22,800	)			5.12
	Outstanding, September 30			193,050			$	19.14				294,380			$	19.18
	Other information regarding options outstanding and exercisable at September 30, 2013 is as follows:
					Options Outstanding														Options Exercisable
													Wted. Avg.				Aggregate						Aggregate
													Remaining				Intrinsic						Intrinsic
	Range of				# of								Contractual				Value		# of				Value
	exercise price				shares				WAEP				Life (yrs)				(in thousands)		shares		WAEP		(in thousands)
	$	2.54 - $6.00				19,550			$	4.86				3.5			$	74		17,550	$	5.13	$	62
		6.01 - 10.00				28,200				9.14				2.89				7		27,600		9.2		6
		10.01 - 17.50				2,300				17.43				0.42				-		2,300		17.43		-
		17.51 - 20.00				38,500				17.8				3.25				-		38,500		17.8		-
		20.01 - 25.93				104,500				25.04				2.99				-		104,500		25.04		-
						193,050				19.14							$	81		190,450		19.35	$	68

12_Commitments_And_Contingenci

12. Commitments And Contingencies	9 Months Ended
	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Commitments And Contingencies	'
	Off-Balance Sheet Arrangements
	We are a party to certain financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the statement of financial position. The contract amounts of these instruments reflect the extent of involvement that we have in this class of financial instruments.
	Many of our lending relationships contain both funded and unfunded elements. The funded portion is reflected on our balance sheet. The unfunded portion of these commitments is not recorded on our balance sheet until a draw is made under the loan facility. Since many of the commitments to extend credit may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash flow requirements.
	A summary of the total unfunded, or off-balance sheet, credit extension commitments follows:
		September 30,
	Dollars in thousands	2013
	Commitments to extend credit:
	Revolving home equity and
	credit card lines	$	49,535
	Construction loans		32,534
	Other loans		42,196
	Standby letters of credit		1,759
	Total	$	126,024
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. We evaluate each customer's credit worthiness on a case-by-case basis. The amount of collateral obtained, if we deem necessary upon extension of credit, is based on our credit evaluation. Collateral held varies but may include accounts receivable, inventory, equipment or real estate.
	Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of the underlying contract with the third party.
	Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments.

13_Regulatory_Matters

13. Regulatory Matters	9 Months Ended
	Sep. 30, 2013
RegulatoryMattersAbstract	'
Regulatory Matters	'
	We and our subsidiaries are subject to various regulatory capital requirements administered by the banking regulatory agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, we and each of our subsidiaries must meet specific capital guidelines that involve quantitative measures of our and our subsidiaries’ assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. We and each of our subsidiaries’ capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
	Quantitative measures established by regulation to ensure capital adequacy require us and each of our subsidiaries to maintain minimum amounts and ratios of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). We believe, as of September 30, 2013, that we and each of our subsidiaries met all capital adequacy requirements to which they were subject.
	The most recent notifications from the banking regulatory agencies categorized us and each of our subsidiaries as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, we and each of our subsidiaries must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below.
	Our actual capital amounts and ratios as well as our subsidiary, Summit Community Bank’s (“Summit Community”) are presented in the following table.
													To be Well Capitalized
								Minimum Required					under Prompt Corrective
			Actual					Regulatory Capital					Action Provisions
	Dollars in thousands		Amount		Ratio			Amount		Ratio			Amount		Ratio
	As of September 30, 2013
	Total Capital (to risk weighted assets)
	Summit		$	143,494		14.5	%	$	79,423		8	%	$	99,279		10	%
	Summit Community			154,155		15.5	%		79,497		8	%		99,371		10	%
	Tier I Capital (to risk weighted assets)
	Summit			120,221		12.1	%		39,712		4	%		59,567		6	%
	Summit Community			141,682		14.3	%		39,748		4	%		59,623		6	%
	Tier I Capital (to average assets)
	Summit			120,221		8.9	%		54,291		4	%		67,863		5	%
	Summit Community			141,682		10.4	%		54,336		4	%		67,920		5	%
	As of December 31, 2012
	Total Capital (to risk weighted assets)
	Summit			138,593		14	%		79,391		8	%		99,238		10	%
	Summit Community			148,803		15	%		79,484		8	%		99,354		10	%
	Tier I Capital (to risk weighted assets)
	Summit			115,221		11.6	%		39,695		4	%		59,543		6	%
	Summit Community			136,231		13.7	%		39,742		4	%		59,613		6	%
	Tier I Capital (to average assets)
	Summit			115,221		8.3	%		55,591		4	%		69,489		5	%
	Summit Community			136,231		9.8	%		55,581		4	%		69,476		5	%
	Summit Financial Group, Inc. (“Summit”) and its bank subsidiary, Summit Community Bank, Inc. (the “Bank”), have entered into informal Memoranda of Understanding (“MOU’s”) with their respective regulatory authorities. A memorandum of understanding is characterized by the regulatory authorities as an informal action that is not published or publicly available and that is used when circumstances warrant a milder form of action than a formal supervisory action, such as a formal written agreement or order.
	Under the Summit MOU, Summit has agreed among other things to:
	§	Summit suspending all cash dividends on its common stock until further notice. Dividends on all preferred stock, as well as interest payments on subordinated notes underlying Summit’s trust preferred securities, continue to be permissible; and,
	§	Summit not incurring any additional debt, other than trade payables, without the prior written consent of the principal banking regulators.
	Additional information regarding Summit’s MOU is included in Part I. Item 1A – Risk Factors on our Form 10-K for the year ended December 31, 2012.
	On October 25, 2012, the Bank entered into a revised MOU (“Bank MOU”) which replaced the Bank MOU effective September 24, 2009 and subsequently amended on February 1, 2011. In general, the Bank MOU includes provisions substantially similar to those in the prior Bank MOU with the exception that several provisions deemed no longer applicable by the regulatory authorities were removed and a provision relative to reducing the Bank’s levels of classified assets was added.
	In summary, we have agreed, among other things, to address the following matters relative to the Bank:
	§	maintaining a Board committee which monitors and promotes compliance with the provisions of the Bank MOU;
	§	providing the Bank’s regulatory authorities with updated reports of criticized assets and/or formal workout plans for all nonperforming borrower relationships with an aggregate outstanding balance exceeding $1 million;
	§	developing and submitting to regulatory authorities a written plan to reduce the Bank’s risk exposure in each adversely classified credit relationship in excess of $1 million and all OREO;
	§	establishing procedures to report all loans with balances exceeding $500,000 that have credit weaknesses or that fall outside of the Bank’s policy;
	§	annually reviewing the organizational structure and operations of the Bank’s loan department;
	§	maintaining an adequate allowance for loan and lease losses through charges to current operating income;
	§	reviewing overall liquidity objectives and developing and submitting to regulatory authorities plans and procedures aimed to improve liquidity and reduce reliance on volatile liabilities;
	§	preparing comprehensive budgets and earnings forecasts for the Bank and submitting reports comparing actual performance to the budget plan;
	§	maintaining a minimum Tier 1 Leverage Capital ratio of at least 8% and a Total Risk-based Capital ratio of at least 11%;
	§	not paying any cash dividends without the prior written consent of the banking regulators; and,
	§	providing quarterly progress reports to the Bank’s regulatory authorities detailing steps taken to comply with the Bank MOU.

14_Segment_Information

14. Segment Information	9 Months Ended
	Sep. 30, 2013
Segment Reporting [Abstract]	'
Segment Information	'
	We operate two business segments: community banking and insurance services. These segments are primarily identified by the products or services offered. The community banking segment consists of our full service banks which offer customers traditional banking products and services through various delivery channels. The insurance services segment consists of three insurance agency offices that sell insurance products. The accounting policies discussed throughout the notes to the consolidated financial statements apply to each of our business segments.
	Intersegment revenue and expense consists of management fees allocated to the bank and Summit Insurance Services, LLC for all centralized functions that are performed by the parent, including overall direction in the areas of strategic planning, investment portfolio management, asset/liability management, financial reporting and other financial and administrative services. Information for each of our segments is included below:
		Nine Months Ended September 30, 2013
		Community			Insurance
	Dollars in thousands	Banking			Services			Parent			Eliminations			Total
	Net interest income	$	30,237		$	-		$	(1,436	)	$	-		$	28,801
	Provision for loan losses		3,500			-			-			-			3,500
	Net interest income after provision for loan losses		26,737			-			(1,436	)		-			25,301
	Other income		4,857			3,457			815			(815	)		8,314
	Other expenses		22,723			3,266			1,158			(815	)		26,332
	Income (loss) before income taxes		8,871			191			(1,779	)		-			7,283
	Income tax expense (benefit)		2,534			79			(612	)		-			2,001
	Net income (loss)		6,337			112			(1,167	)		-			5,282
	Dividends on preferred shares		-			-			582			-			582
	Net income (loss) applicable to common shares	$	6,337		$	112		$	(1,749	)	$	-		$	4,700
	Intersegment revenue (expense)	$	(734	)	$	(81	)	$	815		$	-		$	-
	Average assets	$	1,431,835		$	6,329		$	155,522		$	(213,202	)	$	1,380,484
		Nine Months Ended September 30, 2012
		Community			Insurance
	Dollars in thousands	Banking			Services			Parent			Eliminations			Total
	Net interest income	$	31,264		$	-		$	(1,340	)	$	-		$	29,924
	Provision for loan losses		6,002			-			-			-			6,002
	Net interest income after provision for loan losses		25,262			-			(1,340	)		-			23,922
	Other income		6,681			3,371			765			(783	)		10,034
	Other expenses		25,583			2,980			1,223			(783	)		29,003
	Income (loss) before income taxes		6,360			391			(1,798	)		-			4,953
	Income tax expense (benefit)		1,772			156			(583	)		-			1,345
	Net income (loss)		4,588			235			(1,215	)		-			3,608
	Dividends on preferred shares		-			-			583			-			583
	Net income (loss) applicable to common shares	$	4,588		$	235		$	(1,798	)	$	-		$	3,025
	Intersegment revenue (expense)	$	(706	)	$	(77	)	$	783		$	-		$	-
	Average assets	$	1,486,808		$	6,495		$	154,011		$	(218,207	)	$	1,429,107
		Three Months Ended September 30, 2013
		Community			Insurance
	Dollars in thousands	Banking			Services			Parent			Eliminations			Total
	Net interest income	$	10,025		$	-		$	(487	)	$	-		$	9,538
	Provision for loan losses		1,000			-			-			-			1,000
	Net interest income after provision for loan losses		9,025			-			(487	)		-			8,538
	Other income		1,758			1,105			272			(272	)		2,863
	Other expenses		7,060			1,078			365			(272	)		8,231
	Income (loss) before income taxes		3,723			27			(580	)		-			3,170
	Income tax expense (benefit)		1,087			12			(201	)		-			898
	Net income (loss)		2,636			15			(379	)		-			2,272
	Dividends on preferred shares		-			-			194			-			194
	Net income (loss) applicable to common shares	$	2,636		$	15		$	(573	)	$	-		$	2,078
	Intersegment revenue (expense)	$	(251	)	$	(21	)	$	272		$	-		$	-
	Average assets	$	1,409,870		$	6,377		$	153,596		$	(205,332	)	$	1,364,511
		Three Months Ended September 30, 2012
		Community			Insurance
	Dollars in thousands	Banking			Services			Parent			Eliminations			Total
	Net interest income	$	10,381		$	-		$	(446	)	$	-		$	9,935
	Provision for loan losses		2,000			-			-			-			2,000
	Net interest income after provision for loan losses		8,381			-			(446	)		-			7,935
	Other income		2,312			1,049			261			(261	)		3,361
	Other expenses		8,904			1,023			361			(261	)		10,027
	Income (loss) before income taxes		1,789			26			(546	)		-			1,269
	Income tax expense (benefit)		430			10			(168	)		-			272
	Net income (loss)		1,359			16			(378	)		-			997
	Dividends on preferred shares		-			-			194			-			194
	Net income (loss) applicable to common shares	$	1,359		$	16		$	(572	)	$	-		$	803
	Intersegment revenue (expense)	$	(235	)	$	(26	)	$	261		$	-		$	-
	Average assets	$	1,473,356		$	6,579		$	155,168		$	(220,005	)	$	1,415,098

15_Derivative_financial_instru

15. Derivative financial instruments	9 Months Ended
	Sep. 30, 2013
Investments, All Other Investments [Abstract]	'
Derivative financial instruments	'
	We use derivative instruments primarily to protect against the risk of adverse interest rate movements on the cash flows of certain liabilities. Derivative instruments represent contracts between parties that usually require little or no initial net investment and result in one party delivering cash or another type of asset to the other party based upon a notional amount and an underlying as specified in the contract. A notional amount represents the number of units of a specific item, such as currency units. An underlying represents a variable, such as an interest rate or price index. The amount of cash or other asset delivered from one party to the other is determined based upon the interaction of the notional amount of the contract with the underlying. Derivatives can also be implicit in certain contracts and commitments.
	As with any financial instrument, derivative instruments have inherent risks, primarily market and credit risk. Market risk associated with changes in interest rates is managed by establishing and monitoring limits as to the degree of risk that may be undertaken as part of our overall market risk monitoring process. Credit risk occurs when a counterparty to a derivative contract with an unrealized gain fails to perform according to the terms of the agreement. Credit risk is managed by monitoring the size and maturity structure of the derivative portfolio, and applying uniform credit standards to all activities with credit risk.
	In accordance with ASC 815, Derivatives and Hedging, all derivative instruments are recorded on the balance sheet at fair value. Changes in the fair value of derivatives are recorded each period in current earnings or other comprehensive income, depending on whether a derivative is designated as part of a hedge transaction and, if it is, depending on the type of hedge transaction.
	Fair-value hedges – For transactions in which we are hedging changes in fair value of an asset, liability, or a firm commitment, changes in the fair value of the derivative instrument are generally offset in the income statement by changes in the hedged item’s fair value.
	Cash-flow hedges – For transactions in which we are hedging the variability of cash flows related to a variable-rate asset, liability, or a forecasted transaction, changes in the fair value of the derivative instrument are reported in other comprehensive income. The gains and losses on the derivative instrument, which are reported in comprehensive income, are reclassified to earnings in the periods in which earnings are impacted by the variability of cash flows of the hedged item.
	The ineffective portion of all hedges is recognized in current period earnings.
	Other derivative instruments - For risk management purposes that do not meet the hedge accounting criteria and, therefore, do not qualify for hedge accounting. These derivative instruments are accounted for at fair value with changes in fair value recorded in the income statement.
	We have entered into a $40 million notional forward-starting, pay-fixed/receive LIBOR interest rate swap with an effective date of July 18, 2016, which was designated as a cash flow hedge of $40 million of forecasted variable rate Federal Home Loan Bank advances. Under the terms of the swap we will pay a fixed rate of 2.98% for a 3 year period.
	A summary of this sole derivative financial instrument as of September 30, 2013 follows:
		30-Sep-13
				Derivative				Net Ineffective
		Notional		Fair Value				Hedge Gains
	Dollars in thousands	Amount		Asset		Liability		(Losses)
	CASH FLOW HEDGES
	Pay-fixed/receive-variable interest rate swaps
	Long term borrowings	$	40,000	$	-	$	117	$	-
		$	40,000	$	-	$	117	$	-
	On October 23, 2013, we entered into a $30 million notional forward-starting, pay-fixed/receive LIBOR interest rate swap with an effective date of April 18, 2016, which was designated as a cash flow hedge of $30 million of forecasted variable rate Federal Home Loan Bank advances. Under the terms of the swap we will pay a fixed rate of 2.89% for a 4.5 year period.

3_Fair_Value_Measurements_Tabl

3. Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Assets And Liabilities Recorded At Fair Value On A Recurring Basis	'
	The table below presents the recorded amount of assets (liabilities) measured at fair value on a recurring basis.
		Balance at			Fair Value Measurements Using:
	Dollars in thousands	30-Sep-13			Level 1		Level 2			Level 3
	Available for sale securities
	U.S. Government sponsored agencies	$	28,430		$	-	$	28,430		$	-
	Mortgage backed securities:
	Government sponsored agencies		150,787			-		150,787			-
	Nongovernment sponsored entities		13,440			-		13,440			-
	State and political subdivisions		15,011			-		15,011			-
	Corporate debt securities		3,950			-		3,950			-
	Other equity securities		77			-		77			-
	Tax-exempt state and political subdivisions		79,563			-		79,563			-
	Tax-exempt mortgage-backed securities		-			-		-			-
	Total available for sale securities	$	291,258		$	-	$	291,258		$	-
	Derivative financial instrument
	Interest rate swap	$	(117	)	$	-	$	(117	)	$	-
		Balance at			Fair Value Measurements Using:
	Dollars in thousands	31-Dec-12			Level 1		Level 2			Level 3
	Available for sale securities
	U.S. Government sponsored agencies	$	29,020		$	-	$	29,020		$	-
	Mortgage backed securities:
	Government sponsored agencies		136,570			-		136,570			-
	Nongovernment sponsored agencies		15,745			-		15,745			-
	State and political subdivisions		12,169			-		12,169			-
	Corporate debt securities		1,950			-		1,950			-
	Other equity securities		77			-		77			-
	Tax-exempt state and political subdivisions		83,270			-		83,270			-
	Tax-exempt mortgage backed securities		2,738			-		2,738			-
	Total available for sale securities	$	281,539		$	-	$	281,539		$	-
Assets And Liabilities Recorded At Fair Value On A Nonrecurring Basis	'
	Assets measured at fair value on a nonrecurring basis are included in the table below.
		Total at			Fair Value Measurements Using:
	Dollars in thousands	30-Sep-13			Level 1		Level 2			Level 3
	Residential mortgage loans held for sale	$	602		$	-	$	602		$	-
	Impaired loans
	Commercial	$	5,456		$	-	$	3,731		$	1,725
	Commercial real estate		17,109			-		3,998			13,111
	Construction and development		24,128			-		21,629			2,499
	Residential real estate		22,632			-		17,341			5,291
	Consumer		40			-		-			40
	Total impaired loans	$	69,365		$	-	$	46,699		$	22,666
	OREO
	Commercial	$	-		$	-	$	-		$	-
	Commercial real estate		9,961			-		9,961			-
	Construction and development		31,747			-		31,747			-
	Residential real estate		3,595			-		3,595			-
	Consumer		-			-		-			-
	Total OREO	$	45,303		$	-	$	45,303		$	-
		Total at			Fair Value Measurements Using:
	Dollars in thousands	31-Dec-12			Level 1		Level 2			Level 3
	Residential mortgage loans held for sale	$	226		$	-	$	226		$	-
	Impaired loans
	Commercial	$	10,856		$	-	$	5,013		$	5,843
	Commercial real estate		25,435			-		16,331			9,104
	Construction and development		27,352			-		24,578			2,774
	Residential real estate		24,442			-		21,625			2,817
	Consumer		50			-		-			50
	Total impaired loans	$	88,135		$	-	$	67,547		$	20,588
	OREO
	Commercial	$	-		$	-	$	-		$	-
	Commercial real estate		11,835			-		11,047			788
	Construction and development		40,671			-		35,978			4,693
	Residential real estate		3,666			-		3,666			-
	Consumer		-			-		-			-
	Total OREO	$	56,172		$	-	$	50,691		$	5,481
Carrying Values And Estimated Fair Values Of Financial Instruments	'
	The carrying values and estimated fair values of our financial instruments are summarized below:
		30-Sep-13					31-Dec-12
					Estimated					Estimated
		Carrying			Fair		Carrying			Fair
	Dollars in thousands	Value			Value		Value			Value
	Financial assets
	Cash and cash equivalents	$	16,103		$	16,103	$	14,802		$	14,802
	Securities available for sale		291,258			291,258		281,539			281,539
	Other investments		8,004			8,004		14,658			14,658
	Loans held for sale		602			602		226			226
	Loans, net		939,169			965,070		937,168			965,454
	Accrued interest receivable		5,364			5,364		5,621			5,621
		$	1,260,500		$	1,286,401	$	1,254,014		$	1,282,300
	Financial liabilities
	Deposits	$	1,016,735		$	1,045,084	$	1,027,125		$	1,064,957
	Short-term borrowings		54,163			54,163		3,958			3,958
	Long-term borrowings		163,540			175,237		203,268			220,175
	Subordinated debentures		16,800			16,800		16,800			16,800
	Subordinated debentures owed to
	unconsolidated subsidiary trusts		19,589			19,589		19,589			19,589
	Accrued interest payable		1,473			1,473		1,877			1,877
	Derivative financial liabilities		117			117		-			-
		$	1,272,417		$	1,312,463	$	1,272,617		$	1,327,356

4_Earnings_Per_Share_Tables

4. Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Computations Of Basic And Diluted Earnings Per Share	'
	The computations of basic and diluted earnings per share follow:
		For the Three Months Ended September 30,
		2013							2012
					Common							Common
	Dollars in thousands,	Income			Shares		Per		Income			Shares		Per
	except per share amounts	(Numerator)			(Denominator)		Share		(Numerator)			(Denominator)		Share
	Net income	$	2,272						$	997
	Less preferred stock dividends		(194	)						(194	)
	Basic EPS	$	2,078			7,443,865	$	0.28	$	803			7,425,472	$	0.11
	Effect of dilutive securities:
	Stock options		-			7,819				-			1,261
	Series 2011 convertible
	preferred stock		120			1,495,728				120			1,500,000
	Series 2009 convertible
	preferred stock		74			674,545				74			674,545
	Diluted EPS	$	2,272			9,621,957	$	0.24	$	997			9,601,278	$	0.1
		For the Nine Months Ended September 30,
		2013							2012
					Common							Common
	Dollars in thousands,	Income			Shares		Per		Income			Shares		Per
	except per share amounts	(Numerator)			(Denominator)		Share		(Numerator)			(Denominator)		Share
	Net income	$	5,282						$	3,608
	Less preferred stock dividends		(582	)						(583	)
	Basic EPS	$	4,700			7,438,216	$	0.63	$	3,025			7,425,472	$	0.41
	Effect of dilutive securities:
	Stock options		-			7,316				-			1,081
	Series 2011 convertible
	preferred stock		359			1,498,251				360			1,500,000
	Series 2009 convertible
	preferred stock		223			674,545				223			674,545
	Diluted EPS	$	5,282			9,618,328	$	0.55	$	3,608			9,601,098	$	0.38

5_Securities_Tables

5. Securities (Tables)	9 Months Ended
	Sep. 30, 2013
Available-for-sale Securities [Abstract]	'
Summary Of Amortized Cost, Unrealized Gains, Unrealized Losses And Estimated Fair Values Of Securities	'
	The amortized cost, unrealized gains, unrealized losses and estimated fair values of securities at September 30, 2013, December 31, 2012, and September 30, 2012 are summarized as follows:
		30-Sep-13
		Amortized			Unrealized						Estimated
	Dollars in thousands	Cost			Gains			Losses			Fair Value
	Available for Sale
	Taxable debt securities:
	U. S. Government agencies
	and corporations	$	27,740		$	757		$	67		$	28,430
	Residential mortgage-backed securities:
	Government-sponsored agencies		149,569			2,444			1,226			150,787
	Nongovernment-sponsored agencies		13,134			315			9			13,440
	State and political subdivisions:
	General obligations		9,064			-			383			8,681
	Water and sewer revenues		3,234			1			91			3,144
	Other revenues		3,298			-			112			3,186
	Corporate debt securities		3,970			25			45			3,950
	Total taxable debt securities		210,009			3,542			1,933			211,618
	Tax-exempt debt securities:
	State and political subdivisions:
	General obligations		49,569			1,048			1,112			49,505
	Water and sewer revenues		10,132			89			290			9,931
	Lease revenues		8,869			1			441			8,429
	Lottery/casino revenues		4,457			68			166			4,359
	Other revenues		7,490			61			212			7,339
	Total tax-exempt debt securities		80,517			1,267			2,221			79,563
	Equity securities		77			-			-			77
	Total available for sale securities	$	290,603		$	4,809		$	4,154		$	291,258
		31-Dec-12
		Amortized			Unrealized						Estimated
	Dollars in thousands	Cost			Gains			Losses			Fair Value
	Available for Sale
	Taxable debt securities
	U. S. Government agencies
	and corporations	$	28,128		$	892		$	-		$	29,020
	Residential mortgage-backed securities:
	Government-sponsored agencies		133,812			3,250			492			136,570
	Nongovernment-sponsored entities		15,380			509			144			15,745
	State and political subdivisions:
	General obligations		8,847			58			57			8,848
	Water and sewer revenues		1,920			-			32			1,888
	Other revenues		1,420			13			-			1,433
	Corporate debt securities		1,959			29			38			1,950
	Total taxable debt securities		191,466			4,751			763			195,454
	Tax-exempt debt securities
	State and political subdivisions:
	General obligations		54,948			3,259			145			58,062
	Water and sewer revenues		5,773			171			47			5,897
	Lease revenues		6,910			159			13			7,056
	Lottery/casino revenues		4,500			305			9			4,796
	Other revenues		7,272			210			23			7,459
	Residential mortgage-backed securities:
	Government-sponsored agencies		2,738			-			-			2,738
	Total tax-exempt debt securities		82,141			4,104			237			86,008
	Equity securities		77			-			-			77
	Total available for sale securities	$	273,684		$	8,855		$	1,000		$	281,539
		30-Sep-12
		Amortized			Unrealized						Estimated
	Dollars in thousands	Cost			Gains			Losses			Fair Value
	Available for Sale
	Taxable debt securities:
	U. S. Government agencies
	and corporations	$	25,857		$	1,009		$	4		$	26,862
	Residential mortgage-backed securities:
Government-sponsored agencies		150,233			3,741			453			153,521
Nongovernment-sponsored agencies		21,199			712			290			21,621
State and political subdivisions		10,176			57			56			10,177
Corporate debt securities		1,955			29			74			1,910
Total taxable debt securities		209,420			5,548			877			214,091
Tax-exempt debt securities:
State and political subdivisions		70,678			4,358			70			74,966
Residential mortgage-backed securities:
Government-sponsored agencies		2,858			-			-			2,858
Total tax-exempt debt securities		73,536			4,358			70			77,824
Equity securities		77			-			-			77
Total available for sale securities	$	283,033		$	9,906		$	947		$	291,992
Summary Of Volume of State and Political Subdivision Securities Held in Portfolio	'
	The below information is relative to the five states where issuers with the highest volume of state and political subdivision securities held in our portfolio are located. We own no such securities of any single issuer which we deem to be a concentration.
		30-Sep-13
		Amortized			Unrealized						Estimated
	Dollars in thousands	Cost			Gains			Losses			Fair Value
	West Virginia	$	14,286		$	97		$	267		$	14,116
	Illinois		10,435			59			535			9,959
	California		8,102			107			241			7,968
	Texas		7,155			234			178			7,211
	Washington		4,409			110			80			4,439
Summary Of Maturities, Amortized Cost And Estimated Fair Values Of Securities	'
	The maturities, amortized cost and estimated fair values of securities at September 30, 2013, are summarized as follows:
		Available for Sale
		Amortized			Estimated
	Dollars in thousands	Cost			Fair Value
	Due in one year or less	$	68,076		$	68,631
	Due from one to five years		88,188			89,189
	Due from five to ten years		33,174			33,187
	Due after ten years		101,088			100,174
	Equity securities		77			77
		$	290,603		$	291,258
Summary of Proceeds From Sales, Calls and Maturities, Principal Payments, Gains and Losses of Available for Sale Securities	'
	The proceeds from sales, calls and maturities of available for sale securities, including principal payments received on mortgage-backed obligations, and the related gross gains and losses realized, for the nine months ended September 30, 2013 are as follows:
					Calls and			Principal
	Dollars in thousands	Sales			Maturities			Payments			Gains			Losses
	Securities available for sale	$	41,188		$	1,258		$	50,650		$	362		$	246
Summary of Other-Than-Temporary Impairment Losses on Securities	'
	During the three and nine months ended September 30, 2013 and 2012, we recorded other-than-temporary impairment losses on residential mortgage-backed nongovernment sponsored entity securities as follows:
		Three Months Ended						Nine Months Ended
		September 30,						September 30,
	In thousands	2013			2012			2013			2012
	Total other-than-temporary impairment losses	$	(38	)	$	(233	)	$	(155	)	$	(1,115	)
	Portion of loss recognized in
	other comprehensive income		-			194			37			740
	Net impairment losses recognized in earnings	$	(38	)	$	(39	)	$	(118	)	$	(375	)
Summary Of Activity Related To The Credit Component Recognized On Debt Securities Available For Sale Of Other-Than-Temporary Impairment Recognized In Other Comprehensive Income	'
	Activity related to the credit component recognized on debt securities available for sale for which a portion of other-than-temporary impairment was recognized in other comprehensive income for the three and nine months ended September 30, 2013 is as follows:
		Three Months Ended			Nine Months Ended
		30-Sep-13			30-Sep-13
	In thousands	Total			Total
	Beginning Balance	$	2,984		$	2,904
	Additions for the credit component on debt securities in which
	other-than-temporary impairment was not previously recognized		38			118
	Securities sold during the period		-			-
	Ending Balance	$	3,022		$	3,022
Summary Of Securities Available For Sale In Unrealized Loss Position	'
	Provided below is a summary of securities available for sale which were in an unrealized loss position at September 30, 2013 and December 31, 2012, including debt securities for which a portion of other-than-temporary impairment has been recognized in other comprehensive income.
		30-Sep-13
		Less than 12 months						12 months or more						Total
		Estimated			Unrealized			Estimated			Unrealized			Estimated		Unrealized
	Dollars in thousands	Fair Value			Loss			Fair Value			Loss			Fair Value		Loss
	Temporarily impaired securities
	Taxable debt securities
	U. S. Government agencies
	and corporations	$	7,770		$	(67	)	$	-		$	-		$	7,770	$	(67	)
	Residential mortgage-backed securities:
	Government-sponsored agencies		48,957			(1,011	)		11,754			(215	)		60,711		(1,226	)
	Nongovernment-sponsored entities		355			(1	)		858			(8	)		1,213		(9	)
	State and political subdivisions:
	General obligations		5,806			(316	)		876			(67	)		6,682		(383	)
	Water and sewer revenues		634			(35	)		1,175			(56	)		1,809		(91	)
	Other revenues		3,185			(112	)		-			-			3,185		(112	)
	Corporate debt securities		2,954			(45	)		-			-			2,954		(45	)
	Tax-exempt debt securities
	State and political subdivisions:
	General obligations		21,134			(1,112	)		-			-			21,134		(1,112	)
	Water and sewer revenues		6,505			(290	)		-			-			6,505		(290	)
	Lease revenues		7,522			(424	)		366			(17	)		7,888		(441	)
	Lottery/casino revenues		3,292			(166	)		-			-			3,292		(166	)
	Other revenues		5,407			(212	)		-			-			5,407		(212	)
	Total temporarily impaired securities		113,521			(3,791	)		15,029			(363	)		128,550		(4,154	)
	Other-than-temporarily impaired securities
	Taxable debt securities
	Residential mortgage-backed securities:
	Nongovernment-sponsored entities		-			-			-			-			-		-
	Total other-than-temporarily
	impaired securities		-			-			-			-			-		-
	Total	$	113,521		$	(3,791	)	$	15,029		$	(363	)	$	128,550	$	(4,154	)
		31-Dec-12
		Less than 12 months						12 months or more						Total
		Estimated			Unrealized			Estimated			Unrealized			Estimated		Unrealized
	Dollars in thousands	Fair Value			Loss			Fair Value			Loss			Fair Value		Loss
	Temporarily impaired securities
	Taxable debt securities
	U. S. Government agencies
	and corporations	$	-		$	-		$	-		$	-		$	-	$	-
	Residential mortgage-backed securities:
	Government-sponsored agencies		36,498			(414	)		8,997			(78	)		45,495		(492	)
	Nongovernment-sponsored entities		-			(4	)		1,478			(14	)		1,478		(18	)
	State and political subdivisions:
	General obligations		2,526			(57	)		-			-			2,526		(57	)
	Water and sewer revenues		1,240			(28	)		387			(4	)		1,627		(32	)
	Other revenues		-			-			-			-			-		-
	Corporate debt securities		-			-			962			(38	)		962		(38	)
	Tax-exempt debt securities
	State and political subdivisions:
	General obligations		11,926			(145	)		-			-			11,926		(145	)
	Water and sewer revenues		2,534			(47	)		-			-			2,534		(47	)
	Lease revenues		1,013			(13	)		-			-			1,013		(13	)
	Lottery/casino revenues		1,777			(9	)		-			-			1,777		(9	)
	Other revenues		2,684			(23	)		-			-			2,684		(23	)
	Other equity securties		-			-			-			-			-		-
	Total temporarily impaired securities		60,198			(740	)		11,824			(134	)		72,022		(874	)
	Other-than-temporarily impaired securities
	Taxable debt securities
	Residential mortgage-backed securities:
	Nongovernment-sponsored entities		265			(6	)		593			(120	)		858		(126	)
	Total other-than-temporarily
	impaired securities		265			(6	)		593			(120	)		858		(126	)
Total	$	60,463		$	(746	)	$	12,417		$	(254	)	$	72,880	$	(1,000	)

6_Loans_Tables

6. Loans (Tables)	9 Months Ended
	Sep. 30, 2013
Loans and Leases Receivable Disclosure [Abstract]	'
Summary Of Loans, Net Of Unearned Fees	'
	Loans are summarized as follows:
		September 30,				December 31,				September 30,
	Dollars in thousands	2013				2012				2012
	Commercial	$	83,844			$	85,829			$	88,997
	Commercial real estate
	Owner-occupied		151,260				154,252				150,090
	Non-owner occupied		279,412				276,082				279,132
	Construction and development
	Land and land development		73,089				79,335				82,857
	Construction		12,323				3,772				2,087
	Residential real estate
	Non-jumbo		215,058				216,714				215,584
	Jumbo		59,701				61,567				62,748
	Home equity		53,674				53,263				53,455
	Consumer		20,472				20,586				21,290
	Other		3,375				3,701				2,513
	Total loans, net of unearned fees		952,208				955,101				958,753
	Less allowance for loan losses		13,039				17,933				17,820
	Loans, net	$	939,169			$	937,168			$	940,933
Schedule Of Contractual Aging Of Recorded Investment In Past Due Loans By Class	'
	The following table presents the contractual aging of the recorded investment in past due loans by class as of September 30, 2013 and 2012 and December 31, 2012.
		At September 30, 2013
																						Recorded
																						Investment
		Past Due																				> 90 days
	Dollars in thousands	30-59 days				60-89 days				> 90 days				Total				Current				and Accruing
	Commercial	$	10			$	111			$	1,583			$	1,704			$	82,140			$	-
	Commercial real estate
	Owner-occupied		846				229				432				1,507				149,753				-
	Non-owner occupied		587				244				-				831				278,581				-
	Construction and development
	Land and land development		154				-				8,669				8,823				64,266				-
	Construction		-				-				38				38				12,285				-
	Residential mortgage
	Non-jumbo		3,467				2,031				2,225				7,723				207,335				-
	Jumbo		-				-				9,000				9,000				50,701				-
	Home equity		214				49				24				287				53,387				-
	Consumer		197				77				91				365				20,107				-
	Other		50				-				-				50				3,325				-
	Total	$	5,525			$	2,741			$	22,062			$	30,328			$	921,880			$	-
		At December 31, 2012
																						Recorded
																						Investment
		Past Due																				> 90 days
	Dollars in thousands	30-59 days				60-89 days				> 90 days				Total				Current				and Accruing
	Commercial	$	225			$	5			$	2,294			$	2,524			$	83,305			$	-
	Commercial real estate
	Owner-occupied		57				-				1,023				1,080				153,172				-
	Non-owner occupied		182				193				908				1,283				274,799				-
	Construction and development
	Land and land development		-				-				11,795				11,795				67,540				-
	Construction		-				-				153				153				3,619				-
	Residential mortgage
	Non-jumbo		3,344				2,616				2,797				8,757				207,957				-
	Jumbo		-				-				12,564				12,565				49,002				-
	Home equity		337				448				179				964				52,299				-
	Consumer		255				79				48				382				20,204				-
	Other		-				-				-				-				3,701				-
	Total	$	4,400			$	3,341			$	31,761			$	39,503			$	915,598			$	-
		At September 30, 2012
																						Recorded
																						Investment
		Past Due																				> 90 days
	Dollars in thousands	30-59 days				60-89 days				> 90 days				Total				Current				and Accruing
	Commercial	$	273			$	634			$	1,594			$	2,501			$	86,496			$	-
	Commercial real estate
	Owner-occupied		216				581				400				1,197				148,893				-
	Non-owner occupied		513				-				1,882				2,395				276,737				-
	Construction and development
	Land and land development		17				39				13,412				13,468				69,389				-
	Construction		50				-				153				203				1,884				-
	Residential mortgage
	Non-jumbo		2,681				2,029				2,544				7,254				208,330				-
	Jumbo		-				-				15,273				15,273				47,475				-
	Home equity		280				5				149				434				53,021				-
	Consumer		319				36				46				401				20,889				-
	Other		-				-				-				-				2,513				-
	Total	$	4,349			$	3,324			$	35,453			$	43,126			$	915,627			$	-
Schedule Of Nonaccrual Loans Included In Net Balance Of Loans	'
	Nonaccrual loans: The following table presents the nonaccrual loans included in the net balance of loans at September 30, 2013, December 31, 2012 and September 30, 2012.
	Dollars in thousands	9/30/13				12/31/12				9/30/12
	Commercial	$	2,557			$	5,002			$	5,343
	Commercial real estate
	Owner-occupied		3,795				1,524				921
	Non-owner occupied		-				1,032				1,882
	Construction and development
	Land & land development		12,851				13,487				16,558
	Construction		38				154				203
	Residential mortgage
	Non-jumbo		3,119				3,518				3,122
	Jumbo		9,000				12,564				15,272
	Home equity		266				440				415
	Consumer		145				55				87
	Other		-				-				-
	Total	$	31,771			$	37,776			$	43,803
Schedule Of Method Used To Measure Impairment Of Impaired Loans	'
	Method Used to Measure Impairment of Impaired Loans
	Dollars in thousands
	Loan Category	9/30/13				12/31/12				9/30/12			Method used to
													measure impairment
	Commerical	$	5,997			$	10,776			$	12,411		Fair value of collateral
			160				165				-		Discounted cash flow
	Commerical real estate
	Owner-occupied		9,054				14,028				13,248		Fair value of collateral
			2,497				2,686				2,698		Discounted cash flow
	Non-owner occupied		5,884				9,468				12,057		Fair value of collateral
	Construction and development
	Land & land development		24,870				29,307				30,482		Fair value of collateral
			649				656				656		Discounted cash flow
	Residential mortgage
	Non-jumbo		5,133				5,626				5,461		Fair value of collateral
			884				692				959		Discounted cash flow
	Jumbo		17,786				21,543				23,094		Fair value of collateral
	Home equity		213				219				219		Fair value of collateral
	Consumer		52				66				42		Fair value of collateral
	Total	$	73,179			$	95,232			$	101,327
Schedule Of Loans Individually Evaluated For Impairment	'
	The following tables present loans individually evaluated for impairment at September 30, 2013, December 31, 2012 and September 30, 2012.
		30-Sep-13
														Average				Interest Income
		Recorded				Unpaid				Related				Impaired				Recognized
	Dollars in thousands	Investment				Principal Balance				Allowance				Balance				while impaired
	Without a related allowance
	Commercial	$	4,254			$	4,268			$	-			$	5,632			$	334
	Commercial real estate
	Owner-occupied		7,609				7,613				-				8,839				293
	Non-owner occupied		5,368				5,370				-				5,800				289
	Construction and development
	Land & land development		20,923				20,921				-				20,331				404
	Construction		-				-				-				-				-
	Residential real estate
	Non-jumbo		2,888				2,895				-				2,930				171
	Jumbo		7,876				7,882				-				8,168				419
	Home equity		186				186				-				186				11
	Consumer		28				28				-				32				2
	Total without a related allowance	$	49,132			$	49,163			$	-			$	51,918			$	1,923
	With a related allowance
	Commercial	$	1,891			$	1,889			$	702			$	2,537			$	-
	Commercial real estate
	Owner-occupied		3,938				3,938				216				3,956				138
	Non-owner occupied		514				514				110				516				28
	Construction and development
	Land & land development		4,597				4,598				1,390				3,992				121
	Construction		-				-				-				-				-
	Residential real estate
	Non-jumbo		3,119				3,122				316				2,843				130
	Jumbo		9,904				9,904				1,040				10,152				45
	Home equity		27				27				27				27				-
	Consumer		24				24				13				25				1
	Total with a related allowance	$	24,014			$	24,016			$	3,814			$	24,048			$	463
	Total
	Commercial	$	49,094			$	49,111			$	2,418			$	51,603			$	1,607
	Residential real estate		24,000				24,016				1,383				24,306				776
	Consumer		52				52				13				57				3
	Total	$	73,146			$	73,179			$	3,814			$	75,966			$	2,386
		31-Dec-12
														Average				Interest Income
		Recorded				Unpaid				Related				Impaired				Recognized
	Dollars in thousands	Investment				Principal Balance				Allowance				Balance				while impaired
	Without a related allowance
	Commercial	$	10,518			$	10,537			$	-			$	3,131			$	134
	Commercial real estate
	Owner-occupied		9,992				9,996				-				8,528				368
	Non-owner occupied		6,143				6,145				-				6,056				304
	Construction and development
	Land & land development		11,596				11,596				-				11,093				367
	Construction		-				-				-				-				-
	Residential real estate
	Non-jumbo		3,497				3,505				-				3,040				125
	Jumbo		7,347				7,349				-				5,399				272
	Home equity		191				191				-				191				11
	Consumer		38				38				-				32				1
	Total without a related allowance	$	49,322			$	49,357			$	-			$	37,470			$	1,582
	With a related allowance
	Commercial	$	404			$	404			$	85			$	515			$	6
	Commercial real estate
	Owner-occupied		6,719				6,718				461				4,442				187
	Non-owner occupied		3,321				3,323				286				3,341				115
	Construction and development
	Land & land development		18,367				18,367				2,611				17,633				344
Construction		-				-				-				-				-
Residential real estate
Non-jumbo		2,812				2,813				394				2,378				77
Jumbo		14,189				14,194				3,216				13,585				59
Home equity		28				28				28				29				-
Consumer		28				28				16				2				-
Total with a related allowance	$	45,868			$	45,875			$	7,097			$	41,925			$	788
Total
Commercial	$	67,060			$	67,086			$	3,443			$	54,739			$	1,825
Residential real estate		28,064				28,080				3,638				24,622				544
Consumer		66				66				16				34				1
Total	$	95,190			$	95,232			$	7,097			$	79,395			$	2,370
	30-Sep-12
													Average				Interest Income
	Recorded				Unpaid				Related				Impaired				Recognized
Dollars in thousands	Investment				Principal Balance				Allowance				Balance				while impaired
Without a related allowance
Commercial	$	12,059			$	12,075			$	-			$	3,148			$	54
Commercial real estate
Owner-occupied		11,370				11,373				-				8,058				346
Non-owner occupied		8,537				8,540				-				6,349				304
Construction and development
Land & land development		15,624				15,624				-				14,060				524
Construction		-				-				-				-				-
Residential real estate
Non-jumbo		3,987				3,996				-				3,545				135
Jumbo		8,902				8,905				-				6,497				257
Home equity		191				191				-				192				12
Consumer		39				38				-				30				1
Total without a related allowance	$	60,709			$	60,742			$	-			$	41,879			$	1,633
With a related allowance
Commercial	$	336			$	336			$	86			$	299			$	6
Commercial real estate
Owner-occupied		4,573				4,573				241				4,409				209
Non-owner occupied		3,516				3,517				475				3,361				115
Construction and development
Land & land development		15,514				15,514				2,762				15,026				182
Construction		-				-				-				-				-
Residential real estate
Non-jumbo		2,422				2,424				502				1,787				101
Jumbo		14,183				14,189				3,211				13,193				32
Home equity		28				28				28				29				-
Consumer		4				4				4				1				-
Total with a related allowance	$	40,576			$	40,585			$	7,309			$	38,105			$	645
Total
Commercial	$	71,529			$	71,552			$	3,564			$	54,710			$	1,740
Residential real estate		29,713				29,733				3,741				25,243				537
Consumer		43				42				4				31				1
Total	$	101,285			$	101,327			$	7,309			$	79,984			$	2,278
Schedule Of Restructured Trouble Debt Restructurings By Class	'
	The following table presents by class the TDRs that were restructured during the three and nine months ended September 30, 2013 and 2012.
		For the Three Months Ended												For the Three Months Ended
		30-Sep-13												30-Sep-12
						Pre-modification				Post-modification								Pre-modification				Post-modification
		Number of				Recorded				Recorded				Number of				Recorded				Recorded
	Dollars in thousands	Modifications				Investment				Investment				Modifications				Investment				Investment
	Commercial		-			$	-			$	-				-			$	-			$	-
	Commercial real estate
	Owner-occupied		-				-				-				-				-				-
	Non-owner occupied		-				-				-				1				1,929				1,929
	Construction and development
	Land & land development		-				-				-				2				1,927				1,927
	Construction		-				-				-				-				-				-
	Residential real estate
	Non-jumbo		2				487				487				3				688				688
	Jumbo		-				-				-				-				-				-
	Home equity		-				-				-				-				-				-
	Consumer		-				-				-				-				-				-
	Total		2			$	487			$	487				6			$	4,544			$	4,544
		For the Nine Months Ended												For the Nine Months Ended
		30-Sep-13												30-Sep-12
						Pre-modification				Post-modification								Pre-modification				Post-modification
		Number of				Recorded				Recorded				Number of				Recorded				Recorded
	Dollars in thousands	Modifications				Investment				Investment				Modifications				Investment				Investment
	Commercial		1			$	23			$	23				3			$	1,109			$	1,117
	Commercial real estate
	Owner-occupied		-				-				-				-				-				-
	Non-owner occupied		-				-				-				3				4,063				3,685
	Construction and development
	Land & land development		1				49				50				3				3,715				2,927
	Construction		-				-				-				-				-				-
	Residential real estate
	Non-jumbo		4				728				514				7				1,245				1,256
	Jumbo		-				-				-				3				2,301				2,701
	Home equity		-				-				-				-				-				-
	Consumer		-				-				-				2				42				42
	Total		6			$	800			$	587				21			$	12,475			$	11,728
Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings	'
		For the Three Months Ended								For the Nine Months Ended
		30-Sep-13								30-Sep-13
		Number				Recorded				Number				Recorded
		of				Investment				of				Investment
	Dollars in thousands	Defaults				at Default Date				Defaults				at Default Date
	Commercial		-			$	-				-			$	-
	Commercial real estate
	Owner-occupied		-				-				-				-
	Non-owner occupied		-				-				-				-
	Construction and development
	Land & land development		-				-				2				1,676
	Construction		-				-				-				-
	Residential real estate
	Non-jumbo		1				239				3				760
	Jumbo		-				-				-				-
	Home equity		-				-				-				-
	Consumer		2				22				2				24
	Total		3			$	261				7			$	2,460
Schedule of the Activity Regarding TDRs by Loan Type	'
	The following tables detail the activity regarding TDRs by loan type for the three months and nine months ended September 30, 2013, and the related allowance on TDRs.
	For the Three Months Ended September 30, 2013
		Construction & Land Development
		Land &									Commercial Real Estate						Residential Real Estate
		Land												Non-
	Dollars in	Develop-			Construc-			Commer-			Owner			Owner			Non-						Home		Con-
	thousands	ment			tion			cial			Occupied			Occupied			jumbo			Jumbo			Equity		sumer			Other		Total
	Troubled debt restructurings
	Balance June 30, 2013	$	8,549		$	-		$	3,735		$	9,986		$	5,367		$	5,018		$	15,349		$	-	$	62		$	-	$	48,066
	Additions		-			-			-			-			-			487			-			-		-			-		487
	Charge-offs		-			-			-			-			-			-			(113	)		-		-			-		(113	)
	Net (paydowns) advances		(3,007	)		-			(1,441	)		(211	)		(31	)		(28	)		84			-		(10	)		-		(4,644	)
	Transfer into OREO		-			-			-			-			-			-			-			-		-			-		-
	Refinance out of TDR status		-			-			-			-			-			-			-			-		-			-		-
	Balance September 30, 2013	$	5,542		$	-		$	2,294		$	9,775		$	5,336		$	5,477		$	15,320		$	-	$	52		$	-	$	43,796
	Allowance related to troubled debt restructurings	$	22		$	-		$	131		$	216		$	110		$	302		$	1,040		$	-	$	13		$	-	$	1,834
	For the Nine Months Ended September 30, 2013
		Construction & Land Development
		Land &									Commercial Real Estate						Residential Real Estate
		Land												Non-
	Dollars in	Develop-			Construc-			Commer-			Owner			Owner			Non-						Home		Con-
	thousands	ment			tion			cial			Occupied			Occupied			jumbo			Jumbo			Equity		sumer			Other		Total
	Troubled debt restructurings
	Balance December 31, 2012	$	9,570		$	-		$	4,981		$	10,692		$	7,331		$	5,089		$	19,000		$	-	$	65		$	-	$	56,728
	Additions		49			-			23			-			-			728			-			-		-			-		800
	Charge-offs		(888	)		-			(33	)		(63	)		-			(9	)		(3,678	)		-		-			-		(4,671	)
	Net paydowns		(3,189	)		-			(2,677	)		(336	)		(104	)		(331	)		(2	)		-		(13	)		-		(6,652	)
	Transfer into OREO		-			-			-			(518	)		-			-			-			-		-			-		(518	)
	Refinance out of TDR status		-			-			-			-			(1,891	)		-			-			-		-			-		(1,891	)
	Balance September 30, 2013	$	5,542		$	-		$	2,294		$	9,775		$	5,336		$	5,477		$	15,320		$	-	$	52		$	-	$	43,796
	Allowance related to troubled debt restructurings	$	22		$	-		$	131		$	216		$	110		$	302		$	1,040		$	-	$	13		$	-	$	1,834
Schedule Of Recorded Investment Evaluated Based On Internal Risk Ratings	'
	Loan Risk Profile by Internal Risk Rating
		Construction and Development																		Commercial Real Estate
		Land and land development						Construction						Commercial						Owner Occupied					Non-Owner Occupied
	Dollars in thousands	9/30/13			12/31/12			9/30/13			12/31/12			9/30/13			12/31/12			9/30/13			12/31/12		9/30/13			12/31/12
	Pass	$	43,400		$	43,572		$	12,285		$	3,619		$	75,968		$	73,425		$	145,349		$	139,176	$	268,002		$	262,132
	OLEM (Special Mention)		5,603			7,349			-			-			1,501			1,260			1,422			1,034		11,141			11,477
	Substandard		23,977			28,414			38			153			5,264			11,144			4,489			14,042		269			2,473
	Doubtful		109			-			-			-			1,111			-			-			-		-			-
	Loss		-			-			-			-			-			-			-			-		-			-
	Total	$	73,089		$	79,335		$	12,323		$	3,772		$	83,844		$	85,829		$	151,260		$	154,252	$	279,412		$	276,082
Schedule Of Recorded Investment Evaluated Based On Aging Status Of Loans And Payment Activity	'
	The following table presents the recorded investment in consumer, residential real estate, and home equity loans, which are generally evaluated based on the aging status of the loans, which was previously presented, and payment activity.
		Performing												Nonperforming
	Dollars in thousands	9/30/13				12/31/12				9/30/12				9/30/13				12/31/12				9/30/12
	Residential real estate
	Non-jumbo	$	211,939			$	213,196			$	212,529			$	3,119			$	3,518			$	3,055
	Jumbo		50,701				49,003				47,476				9,000				12,564				15,272
	Home Equity		53,408				52,823				53,040				266				440				415
	Consumer		20,327				20,531				21,202				145				55				88
	Other		3,375				3,701				2,513				-				-				-
	Total	$	339,750			$	339,254			$	336,760			$	12,530			$	16,577			$	18,830

7_Allowance_For_Loan_Losses_Ta

7. Allowance For Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2013
Allowance for Loan and Lease Losses, Adjustments, Net [Abstract]	'
Summary Of Analysis Of Allowance For Loan Losses	'
	An analysis of the allowance for loan losses for the nine month periods ended September 30, 2013 and 2012, and for the year ended December 31, 2012 is as follows:
		Nine Months Ended							Year Ended
		September 30,							December 31,
	Dollars in thousands	2013			2012				2012
	Balance, beginning of year	$	17,933		$	17,712			$	17,712
	Losses:
	Commercial		205			355				1,273
	Commercial real estate
	Owner occupied		1,067			636				636
	Non-owner occupied		9			436				806
	Construction and development
	Land and land development		3,560			2,319				3,390
	Construction		-			367				367
	Residential real estate
	Non-jumbo		494			1,257				1,372
	Jumbo		3,739			737				737
	Home equity		77			5				5
	Consumer		55			91				136
	Other		84			69				95
	Total		9,290			6,272				8,817
	Recoveries:
	Commercial		7			7				13
	Commercial real estate
	Owner occupied		2			24				33
	Non-owner occupied		633			20				31
	Construction and development
	Land and land development		13			16				61
	Construction		-			-				-
	Real estate - mortgage
	Non-jumbo		106			51				81
	Jumbo		4			85				86
	Home equity		4			60				61
	Consumer		53			53				95
	Other		74			62				77
	Total		896			378				538
	Net losses		8,394			5,894				8,279
	Provision for loan losses		3,500			6,002				8,500
	Balance, end of year	$	13,039		$	17,820			$	17,933
Summary Of Activity In Allowance For Loan Losses By Loan Class	'
	Activity in the allowance for loan losses by loan class during the first nine months of 2013 is as follows:
	For the Nine Months Ended September 30, 2013
		Construction & Land Development
		Land &								Commercial Real Estate					Residential Real Estate
		Land										Non-
	Dollars in	Develop-		Construc-			Commer-			Owner		Owner			Non-					Home			Con-
	thousands	ment		tion			cial			Occupied		Occupied			jumbo			Jumbo		Equity			sumer			Other		Total
	Allowance for loan losses
	Beginning balance	$	5,220	$	138		$	782		$	1,387	$	3,269		$	2,617		$	3,942	$	425		$	132		$	21	$	17,933
	Charge-offs		3,560		-			205			1,067		9			494			3,739		77			55			84		9,290
	Recoveries		13		-			7			2		633			106			4		4			53			74		896
	Provision		2,780		95			888			1,071		(3,716	)		(66	)		2,636		(162	)		(43	)		17		3,500
	Ending balance	$	4,453	$	233		$	1,472		$	1,393	$	177		$	2,163		$	2,843	$	190		$	87		$	28	$	13,039
	Allowance related to:
	Loans individually
	evaluated for impairment	$	1,390	$	-		$	702		$	216	$	110		$	316		$	1,040	$	27		$	13		$	-	$	3,814
	Loans collectively
	evaluated for impairment		3,063		233			770			1,177		67			1,847			1,803		163			74			28		9,225
	Loans acquired with
	deteriorated credit quality		-		-			-			-		-			-			-		-			-			-		-
	Total	$	4,453	$	233		$	1,472		$	1,393	$	177		$	2,163		$	2,843	$	190		$	87		$	28	$	13,039
	Loans
	Loans individually
	evaluated for impairment	$	25,519	$	-		$	6,157		$	11,551	$	5,884		$	6,017		$	17,786	$	213		$	52		$	-	$	73,179
	Loans collectively
	evaluated for impairment		47,570		12,323			77,687			139,709		273,528			209,041			41,915		53,461			20,420			3,375	$	879,029
	Loans acquired with
	deteriorated credit quality		-		-			-			-		-			-			-		-			-			-		-
	Total	$	73,089	$	12,323		$	83,844		$	151,260	$	279,412		$	215,058		$	59,701	$	53,674		$	20,472		$	3,375	$	952,208

8_Goodwill_And_Other_Intangibl1

8. Goodwill And Other Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2013
Goodwill and Intangible Assets Disclosure [Abstract]	'
Summary Of Goodwill Activity	'
		Goodwill Activity
		Community		Insurance
	Dollars in thousands	Banking		Services		Total
	Balance, January 1, 2013	$	1,488	$	4,710	$	6,198
	Acquired goodwill, net		-		-		-
	Balance, September 30, 2013	$	1,488	$	4,710	$	6,198
Summary Of Other Intangible Assets	'
		Other Intangible Assets
		30-Sep-13						31-Dec-12
		Community		Insurance				Community		Insurance
	Dollars in thousands	Banking		Services		Total		Banking		Services		Total
	Unidentifiable intangible assets
	Gross carrying amount	$	2,267	$	-	$	2,267	$	2,267	$	-	$	2,267
	Less: accumulated amortization		2,179		-		2,179		2,065		-		2,065
	Net carrying amount	$	88	$	-	$	88	$	202	$	-	$	202
	Identifiable intangible assets
	Gross carrying amount	$	-	$	3,000	$	3,000	$	-	$	3,000	$	3,000
	Less: accumulated amortization		-		1,250		1,250		-		1,100		1,100
	Net carrying amount	$	-	$	1,750	$	1,750	$	-	$	1,900	$	1,900

9_Deposits_Tables

9. Deposits (Tables)	9 Months Ended
	Sep. 30, 2013
Deposits	'
Summary Of Interest Bearing Deposits By Type	'
	The following is a summary of interest bearing deposits by type as of September 30, 2013 and 2012 and December 31, 2012:
		September 30,		December 31,			September 30,
	Dollars in thousands	2013		2012			2012
	Demand deposits, interest bearing	$	186,702	$	175,706		$	177,236
	Savings deposits		193,285		193,039			197,610
	Time deposits		537,639		557,788			555,697
	Total	$	917,626	$	926,533		$	930,543
Summary Of Scheduled Maturities For All Time Deposits	'
	A summary of the scheduled maturities for all time deposits as of September 30, 2013 is as follows:
	Dollars in thousands
	Three month period ending December 31, 2013	$	78,769
	Year ending December 31, 2014		174,501
	Year ending December 31, 2015		71,003
	Year ending December 31, 2016		84,033
	Year ending December 31, 2017		30,169
	Thereafter		99,164
		$	537,639
Summary Of Maturity Distribution Of All Certificates Of Deposit	'
	The following is a summary of the maturity distribution of all certificates of deposit in denominations of $100,000 or more as of September 30, 2013:
	Dollars in thousands	Amount		Percent
	Three months or less	$	53,212		13.6	%
	Three through six months		23,785		6.1	%
	Six through twelve months		82,135		21	%
	Over twelve months		232,620		59.3	%
	Total	$	391,752		100	%

10_Borrowed_Funds_Tables

10. Borrowed Funds (Tables)	9 Months Ended
	Sep. 30, 2013
Debt Disclosure [Abstract]	'
Summary Of Short-Term Borrowings	'
	Short-term borrowings: A summary of short-term borrowings is presented below:
			Nine Months Ended September 30, 2013
			Short-			Federal Funds
			term			Purchased
			FHLB			and Lines
	Dollars in thousands		Advances			of Credit
	Balance at September 30		$	45,200		$	8,963
	Average balance outstanding for the period			22,834			2,745
	Maximum balance outstanding at
	any month end during period			45,200			8,963
	Weighted average interest rate for the period			0.27	%		0.25	%
	Weighted average interest rate for balances
	outstanding at September 30			0.26	%		0.25	%
			Year Ended December 31, 2012
			Short-			Federal Funds
			term			Purchased
			FHLB			and Lines
	Dollars in thousands		Advances			of Credit
	Balance at December 31		$	3,000		$	958
	Average balance outstanding for the year			12,291			957
	Maximum balance outstanding at
	any month end			20,000			958
	Weighted average interest rate for the year			0.24	%		0.25	%
	Weighted average interest rate for balances
	outstanding at December 31			0.25	%		0.25	%
			Nine Months Ended September 30, 2012
			Short-			Federal Funds
			term			Purchased
			FHLB			and Lines
	Dollars in thousands		Advances			of Credit
	Balance at September 30		$	20,000		$	957
	Average balance outstanding for the period			13,294			956
	Maximum balance outstanding at
	any month end during period			20,000			957
	Weighted average interest rate for the period			0.23	%		0.25	%
	Weighted average interest rate for balances
	outstanding at September 30			0.26	%		0.25	%
Summary Of Long-Term Borrowings	'
									Balance at
			Balance at September 30,						December 31,
	Dollars in thousands		2013			2012			2012
	Long-term FHLB advances		$	82,624		$	122,718		$	122,693
	Long-term reverse repurchase agreements			72,000			72,000			72,000
	Term loans			8,916			9,026			8,575
	Total		$	163,540		$	203,744		$	203,268
Summary Of The Maturities Of All Long-Term Borrowings And Subordinated Debentures	'
	A summary of the maturities of all long-term borrowings and subordinated debentures for the next five years and thereafter is as follows:
										Subordinated
										debentures owed
				Long-term			Subordinated			to unconsolidated
	Dollars in thousands			borrowings			debentures			subsidiary trusts
	Year Ending December 31,	2013		$	24		$	-		$	-
		2014			82,527			-			-
		2015			1,909			10,000			-
		2016			28,911			-			-
		2017			918			-			-
		Thereafter			49,251			6,800			19,589
				$	163,540		$	16,800		$	19,589

11_Stock_Option_Plan_Tables

11. Stock Option Plan (Tables)	9 Months Ended
	Sep. 30, 2013
Shares Held in Employee Stock Ownership Plan [Abstract]	'
Summary Of Activity In Stock Option Plans	'
	A summary of activity in our Plans during the first nine months of 2013 and 2012 is as follows:
			For the Nine Months Ended September 30,
			2013								2012
							Weighted-								Weighted-
							Average								Average
							Exercise								Exercise
			Options				Price				Options				Price
	Outstanding, January 1			249,700			$	18.98				317,180			$	18.17
	Granted			-				-				-				-
	Exercised			(15,200	)			5.27				-				-
	Forfeited			(1,750	)			19.69				-				-
	Expired			(39,700	)			23.41				(22,800	)			5.12
	Outstanding, September 30			193,050			$	19.14				294,380			$	19.18
Other Information Regarding Options Outstanding And Exercisable	'
	Other information regarding options outstanding and exercisable at September 30, 2013 is as follows:
					Options Outstanding														Options Exercisable
													Wted. Avg.				Aggregate						Aggregate
													Remaining				Intrinsic						Intrinsic
	Range of				# of								Contractual				Value		# of				Value
	exercise price				shares				WAEP				Life (yrs)				(in thousands)		shares		WAEP		(in thousands)
	$	2.54 - $6.00				19,550			$	4.86				3.5			$	74		17,550	$	5.13	$	62
		6.01 - 10.00				28,200				9.14				2.89				7		27,600		9.2		6
		10.01 - 17.50				2,300				17.43				0.42				-		2,300		17.43		-
		17.51 - 20.00				38,500				17.8				3.25				-		38,500		17.8		-
		20.01 - 25.93				104,500				25.04				2.99				-		104,500		25.04		-
						193,050				19.14							$	81		190,450		19.35	$	68

12_Commitments_And_Contingenci1

12. Commitments And Contingencies (Tables)	9 Months Ended
	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Summary Of The Total Unfunded, Or Off-Balance Sheet, Credit Extension Commitments	'
	A summary of the total unfunded, or off-balance sheet, credit extension commitments follows:
		September 30,
	Dollars in thousands	2013
	Commitments to extend credit:
	Revolving home equity and
	credit card lines	$	49,535
	Construction loans		32,534
	Other loans		42,196
	Standby letters of credit		1,759
	Total	$	126,024

13_Regulatory_Matters_Tables

13. Regulatory Matters (Tables)	9 Months Ended
	Sep. 30, 2013
RegulatoryMattersAbstract	'
Summary Of Actual Capital Amounts And Ratios	'
	Our actual capital amounts and ratios as well as our subsidiary, Summit Community Bank’s (“Summit Community”) are presented in the following table.
												To be Well Capitalized
							Minimum Required					under Prompt Corrective
		Actual					Regulatory Capital					Action Provisions
	Dollars in thousands	Amount		Ratio			Amount		Ratio			Amount		Ratio
	As of September 30, 2013
	Total Capital (to risk weighted assets)
	Summit	$	143,494		14.5	%	$	79,423		8	%	$	99,279		10	%
	Summit Community		154,155		15.5	%		79,497		8	%		99,371		10	%
	Tier I Capital (to risk weighted assets)
	Summit		120,221		12.1	%		39,712		4	%		59,567		6	%
	Summit Community		141,682		14.3	%		39,748		4	%		59,623		6	%
	Tier I Capital (to average assets)
	Summit		120,221		8.9	%		54,291		4	%		67,863		5	%
	Summit Community		141,682		10.4	%		54,336		4	%		67,920		5	%
	As of December 31, 2012
	Total Capital (to risk weighted assets)
	Summit		138,593		14	%		79,391		8	%		99,238		10	%
	Summit Community		148,803		15	%		79,484		8	%		99,354		10	%
	Tier I Capital (to risk weighted assets)
	Summit		115,221		11.6	%		39,695		4	%		59,543		6	%
	Summit Community		136,231		13.7	%		39,742		4	%		59,613		6	%
	Tier I Capital (to average assets)
	Summit		115,221		8.3	%		55,591		4	%		69,489		5	%
	Summit Community		136,231		9.8	%		55,581		4	%		69,476		5	%

14_Segment_Information_Tables

14. Segment Information (Tables)	9 Months Ended
	Sep. 30, 2013
Segment Reporting [Abstract]	'
Schedule Of Segment Information	'
	Information for each of our segments is included below:
		Nine Months Ended September 30, 2013
		Community			Insurance
	Dollars in thousands	Banking			Services			Parent			Eliminations			Total
	Net interest income	$	30,237		$	-		$	(1,436	)	$	-		$	28,801
	Provision for loan losses		3,500			-			-			-			3,500
	Net interest income after provision for loan losses		26,737			-			(1,436	)		-			25,301
	Other income		4,857			3,457			815			(815	)		8,314
	Other expenses		22,723			3,266			1,158			(815	)		26,332
	Income (loss) before income taxes		8,871			191			(1,779	)		-			7,283
	Income tax expense (benefit)		2,534			79			(612	)		-			2,001
	Net income (loss)		6,337			112			(1,167	)		-			5,282
	Dividends on preferred shares		-			-			582			-			582
	Net income (loss) applicable to common shares	$	6,337		$	112		$	(1,749	)	$	-		$	4,700
	Intersegment revenue (expense)	$	(734	)	$	(81	)	$	815		$	-		$	-
	Average assets	$	1,431,835		$	6,329		$	155,522		$	(213,202	)	$	1,380,484
		Nine Months Ended September 30, 2012
		Community			Insurance
	Dollars in thousands	Banking			Services			Parent			Eliminations			Total
	Net interest income	$	31,264		$	-		$	(1,340	)	$	-		$	29,924
	Provision for loan losses		6,002			-			-			-			6,002
	Net interest income after provision for loan losses		25,262			-			(1,340	)		-			23,922
	Other income		6,681			3,371			765			(783	)		10,034
	Other expenses		25,583			2,980			1,223			(783	)		29,003
	Income (loss) before income taxes		6,360			391			(1,798	)		-			4,953
	Income tax expense (benefit)		1,772			156			(583	)		-			1,345
	Net income (loss)		4,588			235			(1,215	)		-			3,608
	Dividends on preferred shares		-			-			583			-			583
	Net income (loss) applicable to common shares	$	4,588		$	235		$	(1,798	)	$	-		$	3,025
	Intersegment revenue (expense)	$	(706	)	$	(77	)	$	783		$	-		$	-
	Average assets	$	1,486,808		$	6,495		$	154,011		$	(218,207	)	$	1,429,107
		Three Months Ended September 30, 2013
		Community			Insurance
	Dollars in thousands	Banking			Services			Parent			Eliminations			Total
	Net interest income	$	10,025		$	-		$	(487	)	$	-		$	9,538
	Provision for loan losses		1,000			-			-			-			1,000
	Net interest income after provision for loan losses		9,025			-			(487	)		-			8,538
	Other income		1,758			1,105			272			(272	)		2,863
	Other expenses		7,060			1,078			365			(272	)		8,231
	Income (loss) before income taxes		3,723			27			(580	)		-			3,170
	Income tax expense (benefit)		1,087			12			(201	)		-			898
	Net income (loss)		2,636			15			(379	)		-			2,272
	Dividends on preferred shares		-			-			194			-			194
	Net income (loss) applicable to common shares	$	2,636		$	15		$	(573	)	$	-		$	2,078
	Intersegment revenue (expense)	$	(251	)	$	(21	)	$	272		$	-		$	-
	Average assets	$	1,409,870		$	6,377		$	153,596		$	(205,332	)	$	1,364,511
		Three Months Ended September 30, 2012
		Community			Insurance
	Dollars in thousands	Banking			Services			Parent			Eliminations			Total
	Net interest income	$	10,381		$	-		$	(446	)	$	-		$	9,935
	Provision for loan losses		2,000			-			-			-			2,000
	Net interest income after provision for loan losses		8,381			-			(446	)		-			7,935
	Other income		2,312			1,049			261			(261	)		3,361
	Other expenses		8,904			1,023			361			(261	)		10,027
	Income (loss) before income taxes		1,789			26			(546	)		-			1,269
	Income tax expense (benefit)		430			10			(168	)		-			272
	Net income (loss)		1,359			16			(378	)		-			997
	Dividends on preferred shares		-			-			194			-			194
	Net income (loss) applicable to common shares	$	1,359		$	16		$	(572	)	$	-		$	803
	Intersegment revenue (expense)	$	(235	)	$	(26	)	$	261		$	-		$	-
	Average assets	$	1,473,356		$	6,579		$	155,168		$	(220,005	)	$	1,415,098

15_Derivative_financial_instru1

15. Derivative financial instruments (Tables)	9 Months Ended
	Sep. 30, 2013
Investments, All Other Investments [Abstract]	'
Derivative financial instrument	'
	A summary of this sole derivative financial instrument as of September 30, 2013 follows:
		30-Sep-13
				Derivative				Net Ineffective
		Notional		Fair Value				Hedge Gains
	Dollars in thousands	Amount		Asset		Liability		(Losses)
	CASH FLOW HEDGES
	Pay-fixed/receive-variable interest rate swaps
	Long term borrowings	$	40,000	$	-	$	117	$	-
		$	40,000	$	-	$	117	$	-

3_Fair_Value_Measurements_Asse

3. Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Recurring Basis) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012		Sep. 30, 2012
In Thousands, unless otherwise specified
Available for sale securities, fair value	$291,258	$281,539	[1]	$291,992
Interest rate swap	-117	'		'
U S Government Corporations And Agencies Securities [Member]	'	'		'
Available for sale securities, fair value	28,430	29,020		'
Government Sponsored Agencies [Member]	'	'		'
Available for sale securities, fair value	150,787	136,570		'
Nongovernment Sponsored Agencies [Member]	'	'		'
Available for sale securities, fair value	13,440	15,745		'
U S States And Political Subdivisions General Obligations [Member]	'	'		'
Available for sale securities, fair value	15,011	12,169		'
Corporate Debt Securities [Member]	'	'		'
Available for sale securities, fair value	3,950	1,950		'
Equity Securities [Member]	'	'		'
Available for sale securities, fair value	77	77		'
Tax Exempt Debt Securities Us States And Political Subdivisions [Member]	'	'		'
Available for sale securities, fair value	79,563	83,270		'
Tax Exempt Mortgage Backed Securities [Member]	'	'		'
Available for sale securities, fair value	0	2,738		'
Fair Value Inputs Level1 [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level1 [Member] | U S Government Corporations And Agencies Securities [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level1 [Member] | Government Sponsored Agencies [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level1 [Member] | Nongovernment Sponsored Agencies [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level1 [Member] | U S States And Political Subdivisions General Obligations [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level1 [Member] | Corporate Debt Securities [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level1 [Member] | Equity Securities [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level1 [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level1 [Member] | Tax Exempt Mortgage Backed Securities [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level2 [Member]	'	'		'
Available for sale securities, fair value	291,258	281,539		'
Interest rate swap	-117	'		'
Fair Value Inputs Level2 [Member] | U S Government Corporations And Agencies Securities [Member]	'	'		'
Available for sale securities, fair value	28,430	29,020		'
Fair Value Inputs Level2 [Member] | Government Sponsored Agencies [Member]	'	'		'
Available for sale securities, fair value	150,787	136,570		'
Fair Value Inputs Level2 [Member] | Nongovernment Sponsored Agencies [Member]	'	'		'
Available for sale securities, fair value	13,440	15,745		'
Fair Value Inputs Level2 [Member] | U S States And Political Subdivisions General Obligations [Member]	'	'		'
Available for sale securities, fair value	15,011	12,169		'
Fair Value Inputs Level2 [Member] | Corporate Debt Securities [Member]	'	'		'
Available for sale securities, fair value	3,950	1,950		'
Fair Value Inputs Level2 [Member] | Equity Securities [Member]	'	'		'
Available for sale securities, fair value	77	77		'
Fair Value Inputs Level2 [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]	'	'		'
Available for sale securities, fair value	79,563	83,270		'
Fair Value Inputs Level2 [Member] | Tax Exempt Mortgage Backed Securities [Member]	'	'		'
Available for sale securities, fair value	0	2,738		'
Fair Value Inputs Level3 [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level3 [Member] | U S Government Corporations And Agencies Securities [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level3 [Member] | Government Sponsored Agencies [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level3 [Member] | Nongovernment Sponsored Agencies [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level3 [Member] | U S States And Political Subdivisions General Obligations [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level3 [Member] | Corporate Debt Securities [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level3 [Member] | Equity Securities [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level3 [Member] | Tax Exempt Debt Securities Us States And Political Subdivisions [Member]	'	'		'
Available for sale securities, fair value	0	0		'
Fair Value Inputs Level3 [Member] | Tax Exempt Mortgage Backed Securities [Member]	'	'		'
Available for sale securities, fair value	$0	$0		'
[1]	December 31, 2012 financial information has been extracted from audited consolidated financial statements

3_Fair_Value_Measurements_Asse1

3. Fair Value Measurements (Assets And Liabilities Recorded At Fair Value On A Nonrecurring Basis) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012		Sep. 30, 2012
In Thousands, unless otherwise specified
Residential mortgage loans held for sale, fair value	$602	$226		'
Impaired loans, fair value	69,365	88,135		'
OREO	45,303	56,172	[1]	56,033
Commercial Loan [Member]	'	'		'
Impaired loans, fair value	5,456	10,856		'
OREO	0	0		'
Commercial Real Estate Portfolio Segment [Member]	'	'		'
Impaired loans, fair value	17,109	25,435		'
OREO	9,961	11,835		'
Construction And Development Financial Receivable [Member]	'	'		'
Impaired loans, fair value	24,128	27,352		'
OREO	31,747	40,671		'
Residential Real Estate Financial Receivable [Member]	'	'		'
Impaired loans, fair value	22,632	24,442		'
OREO	3,595	3,666		'
Consumer Portfolio Segment [Member]	'	'		'
Impaired loans, fair value	40	50		'
OREO	0	0		'
Fair Value Inputs Level1 [Member]	'	'		'
Residential mortgage loans held for sale, fair value	0	0		'
Impaired loans, fair value	0	0		'
OREO	0	0		'
Fair Value Inputs Level1 [Member] | Commercial Loan [Member]	'	'		'
Impaired loans, fair value	0	0		'
OREO	0	0		'
Fair Value Inputs Level1 [Member] | Commercial Real Estate Portfolio Segment [Member]	'	'		'
Impaired loans, fair value	0	0		'
OREO	0	0		'
Fair Value Inputs Level1 [Member] | Construction And Development Financial Receivable [Member]	'	'		'
Impaired loans, fair value	0	0		'
OREO	0	0		'
Fair Value Inputs Level1 [Member] | Residential Real Estate Financial Receivable [Member]	'	'		'
Impaired loans, fair value	0	0		'
OREO	0	0		'
Fair Value Inputs Level1 [Member] | Consumer Portfolio Segment [Member]	'	'		'
Impaired loans, fair value	0	0		'
OREO	0	0		'
Fair Value Inputs Level2 [Member]	'	'		'
Residential mortgage loans held for sale, fair value	602	226		'
Impaired loans, fair value	46,699	67,547		'
OREO	45,303	50,691		'
Fair Value Inputs Level2 [Member] | Commercial Loan [Member]	'	'		'
Impaired loans, fair value	3,731	5,013		'
OREO	0	0		'
Fair Value Inputs Level2 [Member] | Commercial Real Estate Portfolio Segment [Member]	'	'		'
Impaired loans, fair value	3,998	16,331		'
OREO	9,961	11,047		'
Fair Value Inputs Level2 [Member] | Construction And Development Financial Receivable [Member]	'	'		'
Impaired loans, fair value	21,629	24,578		'
OREO	31,747	35,978		'
Fair Value Inputs Level2 [Member] | Residential Real Estate Financial Receivable [Member]	'	'		'
Impaired loans, fair value	17,341	21,625		'
OREO	3,595	3,666		'
Fair Value Inputs Level2 [Member] | Consumer Portfolio Segment [Member]	'	'		'
Impaired loans, fair value	0	0		'
OREO	0	0		'
Fair Value Inputs Level3 [Member]	'	'		'
Residential mortgage loans held for sale, fair value	0	0		'
Impaired loans, fair value	22,666	20,588		'
OREO	0	5,481		'
Fair Value Inputs Level3 [Member] | Commercial Loan [Member]	'	'		'
Impaired loans, fair value	1,725	5,843		'
OREO	0	0		'
Fair Value Inputs Level3 [Member] | Commercial Real Estate Portfolio Segment [Member]	'	'		'
Impaired loans, fair value	13,111	9,104		'
OREO	0	788		'
Fair Value Inputs Level3 [Member] | Construction And Development Financial Receivable [Member]	'	'		'
Impaired loans, fair value	2,499	2,774		'
OREO	0	4,693		'
Fair Value Inputs Level3 [Member] | Residential Real Estate Financial Receivable [Member]	'	'		'
Impaired loans, fair value	5,291	2,817		'
OREO	0	0		'
Fair Value Inputs Level3 [Member] | Consumer Portfolio Segment [Member]	'	'		'
Impaired loans, fair value	40	50		'
OREO	$0	$0		'
[1]	December 31, 2012 financial information has been extracted from audited consolidated financial statements

3_Fair_Value_Measurements_Carr

3. Fair Value Measurements (Carrying Values And Estimated Fair Values Of Financial Instruments) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Securities available for sale	$291,258	$281,539	$291,992
Loans held for sale, net	602	226	'
Carrying Value [Member]	'	'	'
Cash and cash equivalents	16,103	14,802	'
Securities available for sale	291,258	281,539	'
Other investments	8,004	14,658	'
Loans held for sale, net	602	226	'
Loans, net	939,169	937,168	'
Accrued interest receivable	5,364	5,621	'
Total assets	1,260,500	1,254,014	'
Deposits	1,016,735	1,027,125	'
Short-term borrowings	54,163	3,958	'
Long-term borrowings	163,540	203,268	'
Subordinated debentures	16,800	16,800	'
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589	19,589	'
Accrued interest payable	1,473	1,877	'
Derivative financial liabilities	117	0	'
Total liabilities	1,272,417	1,272,617	'
Estimate Fair Value [Member]	'	'	'
Cash and cash equivalents	16,103	14,802	'
Securities available for sale	291,258	281,539	'
Other investments	8,004	14,658	'
Loans held for sale, net	602	226	'
Loans, net	965,070	965,454	'
Accrued interest receivable	5,364	5,621	'
Total assets	1,286,401	1,282,300	'
Deposits	1,045,084	1,064,957	'
Short-term borrowings	54,163	3,958	'
Long-term borrowings	175,237	220,175	'
Subordinated debentures	16,800	16,800	'
Subordinated debentures owed to unconsolidated subsidiary trusts	19,589	19,589	'
Accrued interest payable	1,473	1,877	'
Derivative financial liabilities	117	0	'
Total liabilities	$1,312,463	$1,327,356	'

4_Earnings_Per_Share_Computati

4. Earnings Per Share (Computations Of Basic And Diluted Earnings Per Share) (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Net income	$2,272	$997	$5,282	$3,608
Less preferred stock dividends	-194	-194	-582	-583
Net income applicable to common shares	2,078	803	4,700	3,025
Basic EPS, Common Shares (Denominator)	7,443,865	7,425,472	7,438,216	7,425,472
Basic EPS, Per Share	$0.28	$0.11	$0.63	$0.41
Diluted EPS, Income (Numerator)	2,272	997	5,282	3,608
Diluted EPS, Common Shares (Denominator)	9,621,957	9,601,278	9,618,328	9,601,098
Diluted EPS, Per Share	$0.24	$0.10	$0.55	$0.38
Series 2009 Preferred Stock [Member]	'	'	'	'
Diluted EPS, convertible preferred stock dividend, Income (Numerator)	74	74	223	223
Diluted EPS, convertible preferred stock, Common Shares (Denominator)	674,545	674,545	674,545	674,545
Series 2011 Preferred Stock [Member]	'	'	'	'
Diluted EPS, convertible preferred stock dividend, Income (Numerator)	$120	$120	$359	$360
Diluted EPS, convertible preferred stock, Common Shares (Denominator)	1,495,728	1,500,000	1,498,251	1,500,000
Stock Option [Member]	'	'	'	'
Diluted EPS, Stock options, Common Shares (Denominator)	7,819	1,261	7,316	1,081

4_Earnings_Per_Share_Narrative

4. Earnings Per Share (Narrative) (Details)	Sep. 30, 2013	Sep. 30, 2012
Earnings Per Share [Abstract]	'	'
Anti-dilutive stock options	170,500	289,380

5_Securities_Summary_Of_Amorti

5. Securities (Summary Of Amortized Cost, Unrealized Gains, Unrealized Losses And Estimated Fair Values) (Details) (USD $)	9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Available for sale securities, Amortized Cost	$290,603	$283,033	$273,684
Available for sale securities, Unrealized Gains	4,809	9,906	8,855
Available for sale securities, Unrealized Losses	4,154	947	1,000
Available for sale securities, Estimated Fair Value	291,258	291,992	281,539
U S Government Corporations And Agencies Securities [Member]	'	'	'
Available for sale securities, Amortized Cost	27,740	25,857	28,128
Available for sale securities, Unrealized Gains	757	1,009	892
Available for sale securities, Unrealized Losses	67	4	0
Available for sale securities, Estimated Fair Value	28,430	26,862	29,020
Government Sponsored Agencies [Member]	'	'	'
Available for sale securities, Amortized Cost	149,569	150,233	133,812
Available for sale securities, Unrealized Gains	2,444	3,741	3,250
Available for sale securities, Unrealized Losses	1,226	453	492
Available for sale securities, Estimated Fair Value	150,787	153,521	136,570
Nongovernment Sponsored Agencies [Member]	'	'	'
Available for sale securities, Amortized Cost	13,134	21,199	15,380
Available for sale securities, Unrealized Gains	315	712	509
Available for sale securities, Unrealized Losses	9	290	144
Available for sale securities, Estimated Fair Value	13,440	21,621	15,745
U S States And Political Subdivisions General Obligations [Member]	'	'	'
Available for sale securities, Amortized Cost	9,064	10,176	8,847
Available for sale securities, Unrealized Gains	0	57	58
Available for sale securities, Unrealized Losses	383	56	57
Available for sale securities, Estimated Fair Value	8,681	10,177	8,848
State and Policital Subdivisions Water and Sewer Revenues [Member]	'	'	'
Available for sale securities, Amortized Cost	3,234	'	1,920
Available for sale securities, Unrealized Gains	1	'	0
Available for sale securities, Unrealized Losses	91	'	32
Available for sale securities, Estimated Fair Value	3,144	'	1,888
State and Policital Subdivisions Other Revenues [Member]	'	'	'
Available for sale securities, Amortized Cost	3,298	'	1,420
Available for sale securities, Unrealized Gains	0	'	13
Available for sale securities, Unrealized Losses	112	'	0
Available for sale securities, Estimated Fair Value	3,186	'	1,433
Corporate Debt Securities [Member]	'	'	'
Available for sale securities, Amortized Cost	3,970	1,955	1,959
Available for sale securities, Unrealized Gains	25	29	29
Available for sale securities, Unrealized Losses	45	74	38
Available for sale securities, Estimated Fair Value	3,950	1,910	1,950
Taxable Debt Securities [Member]	'	'	'
Available for sale securities, Amortized Cost	210,009	209,420	191,466
Available for sale securities, Unrealized Gains	3,542	5,548	4,751
Available for sale securities, Unrealized Losses	1,933	877	763
Available for sale securities, Estimated Fair Value	211,618	214,091	195,454
State and Political Subdivisions General Obligations [Member]	'	'	'
Available for sale securities, Amortized Cost	49,569	'	54,948
Available for sale securities, Unrealized Gains	1,048	'	3,259
Available for sale securities, Unrealized Losses	1,112	'	145
Available for sale securities, Estimated Fair Value	49,505	'	58,062
State and Political Subdivisions Water and Sewer Revenues [Member]	'	'	'
Available for sale securities, Amortized Cost	10,132	'	5,773
Available for sale securities, Unrealized Gains	89	'	171
Available for sale securities, Unrealized Losses	290	'	47
Available for sale securities, Estimated Fair Value	9,931	'	5,897
State and Political Subdivisions Lease Revenues [Member]	'	'	'
Available for sale securities, Amortized Cost	8,869	'	6,910
Available for sale securities, Unrealized Gains	1	'	159
Available for sale securities, Unrealized Losses	441	'	13
Available for sale securities, Estimated Fair Value	8,429	'	7,056
State and Political Subdivisions Lottery/casino Revenues [Member]	'	'	'
Available for sale securities, Amortized Cost	4,457	'	4,500
Available for sale securities, Unrealized Gains	68	'	305
Available for sale securities, Unrealized Losses	166	'	9
Available for sale securities, Estimated Fair Value	4,359	'	4,796
State and Political Subdivisions Other Revenues [Member]	'	'	'
Available for sale securities, Amortized Cost	7,490	'	7,272
Available for sale securities, Unrealized Gains	61	'	210
Available for sale securities, Unrealized Losses	212	'	23
Available for sale securities, Estimated Fair Value	7,339	'	7,459
Tax Exempt Debt Securities [Member]	'	'	'
Available for sale securities, Amortized Cost	80,517	73,536	82,141
Available for sale securities, Unrealized Gains	1,267	4,358	4,104
Available for sale securities, Unrealized Losses	2,221	70	237
Available for sale securities, Estimated Fair Value	79,563	77,824	86,008
Equity Securities [Member]	'	'	'
Available for sale securities, Amortized Cost	77	77	77
Available for sale securities, Unrealized Gains	0	0	0
Available for sale securities, Unrealized Losses	0	0	0
Available for sale securities, Estimated Fair Value	77	77	77
Tax Exempt Debt Securities Residential Mortgage Backed Securities [Member]	'	'	'
Available for sale securities, Amortized Cost	0	2,858	2,738
Available for sale securities, Unrealized Gains	0	0	0
Available for sale securities, Unrealized Losses	0	0	0
Available for sale securities, Estimated Fair Value	$0	$2,858	$2,738

5_Securities_Summary_of_Volume

5. Securities (Summary of Volume of State and Political Subdivision Securities Held in Portfolio) (Details) (USD $)	9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Available for sale securities, Amortized Cost	$290,603	$283,033	$273,684
Available for sale securities, Unrealized Gains	4,809	9,906	8,855
Available for sale securities, Unrealized Losses	4,154	947	1,000
Available for sale securities, Estimated Fair Value	291,258	291,992	281,539
West Virginia [Member]	'	'	'
Available for sale securities, Amortized Cost	14,286	'	'
Available for sale securities, Unrealized Gains	97	'	'
Available for sale securities, Unrealized Losses	267	'	'
Available for sale securities, Estimated Fair Value	14,116	'	'
Illinois [Member]	'	'	'
Available for sale securities, Amortized Cost	10,435	'	'
Available for sale securities, Unrealized Gains	59	'	'
Available for sale securities, Unrealized Losses	535	'	'
Available for sale securities, Estimated Fair Value	9,959	'	'
California [Member]	'	'	'
Available for sale securities, Amortized Cost	8,102	'	'
Available for sale securities, Unrealized Gains	107	'	'
Available for sale securities, Unrealized Losses	241	'	'
Available for sale securities, Estimated Fair Value	7,968	'	'
Texas [Member]	'	'	'
Available for sale securities, Amortized Cost	7,155	'	'
Available for sale securities, Unrealized Gains	234	'	'
Available for sale securities, Unrealized Losses	178	'	'
Available for sale securities, Estimated Fair Value	7,211	'	'
Washington [Member]	'	'	'
Available for sale securities, Amortized Cost	4,409	'	'
Available for sale securities, Unrealized Gains	110	'	'
Available for sale securities, Unrealized Losses	80	'	'
Available for sale securities, Estimated Fair Value	$4,439	'	'

5_Securities_Summary_Of_Maturi

5. Securities (Summary Of Maturities, Amortized Cost And Estimated Fair Values Of Securities) (Details) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Securities Summary Of Maturities Amortized Cost And Estimated Fair Values Of Securities Details	'
Due in one year or less, Amortized Cost	$68,076
Due from one to five years, Amortized Cost	88,188
Due from five to ten years, Amortized Cost	33,174
Due after ten years, Amortized Cost	101,088
Equity securities, Amortized Cost	77
Total Amortized Cost	290,603
Due in one year or less, Estimated Fair Value	68,631
Due from one to five years, Estimated Fair Value	89,189
Due from five to ten years, Estimated Fair Value	33,187
Due after ten years, Estimated Fair Value	100,174
Equity securities, Estimated Fair Value	77
Total Estimated Fair Value	$291,258

5_Securities_Summary_Of_Procee

5. Securities (Summary Of Proceeds From Sales, Calls And Maturities, Principal Payments, Gains And Losses Of Securit) (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Available-for-sale Securities [Abstract]	'	'
Securities available for sale, Proceeds from Sales	$41,188	$64,567
Securities available for sale, Proceeds from Calls and Maturities	1,258	4,056
Securities available for sale, Proceeds from Principal Payments	50,650	47,584
Securities available for sale, Gross realized Gains	362	'
Securities available for sale, Gross realized Losses	$246	'

5_Securities_Summary_Of_OtherT

5. Securities (Summary Of Other-Than-Temporary Impairment Losses On Securities) (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
Available-for-sale Securities [Abstract]	'	'	'	'
Total other-than-temporary impairment losses	($38)	($233)	($155)	($1,115)
Portion of loss recognized in other comprehensive income	0	194	37	740
Net impairment loss recognized in earnings	($38)	($39)	($118)	($375)

5_Securities_Summary_Of_Activi

5. Securities (Summary Of Activity Related To The Credit Component Recognized On Debt Securities Available For Sale) (Details) (USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2013
Available-for-sale Securities [Abstract]	'	'
Beginning Balance	$2,984	$2,904
Additions for the credit component on debt securities in which other-than-temporary impairment was not previously recognized	38	118
Securities sold during the period	0	0
Ending Balance	$3,022	$3,022

5_Securities_Summary_Of_Securi

5. Securities (Summary Of Securities Available For Sale In Unrealized Loss Position) (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Less than 12 months, Estimated Fair Value	$113,521	$60,463
Less than 12 months, Unrealized Loss	-3,791	-746
12 months or more, Estimated Fair Value	15,029	12,417
12 months or more, Unrealized Loss	-363	-254
Total Estimated Fair Value	128,550	72,880
Total Unrealized Loss	-4,154	-1,000
TemporarilyImpairedSecuritiesMember	'	'
Less than 12 months, Estimated Fair Value	113,521	60,198
Less than 12 months, Unrealized Loss	-3,791	-740
12 months or more, Estimated Fair Value	15,029	11,824
12 months or more, Unrealized Loss	-363	-134
Total Estimated Fair Value	128,550	72,022
Total Unrealized Loss	-4,154	-874
TemporarilyImpairedSecuritiesMember | U S Government Corporations And Agencies Securities [Member]	'	'
Less than 12 months, Estimated Fair Value	7,770	0
Less than 12 months, Unrealized Loss	-67	0
12 months or more, Estimated Fair Value	0	0
12 months or more, Unrealized Loss	0	0
Total Estimated Fair Value	7,770	0
Total Unrealized Loss	-67	0
TemporarilyImpairedSecuritiesMember | Government Sponsored Agencies [Member]	'	'
Less than 12 months, Estimated Fair Value	48,957	36,498
Less than 12 months, Unrealized Loss	-1,011	-414
12 months or more, Estimated Fair Value	11,754	8,997
12 months or more, Unrealized Loss	-215	-78
Total Estimated Fair Value	60,711	45,495
Total Unrealized Loss	-1,226	-492
TemporarilyImpairedSecuritiesMember | Nongovernment Sponsored Agencies [Member]	'	'
Less than 12 months, Estimated Fair Value	355	0
Less than 12 months, Unrealized Loss	-1	-4
12 months or more, Estimated Fair Value	858	1,478
12 months or more, Unrealized Loss	-8	-14
Total Estimated Fair Value	1,213	1,478
Total Unrealized Loss	-9	-18
TemporarilyImpairedSecuritiesMember | State and Political Subdivisions General Obligations [Member]	'	'
Less than 12 months, Estimated Fair Value	5,806	2,526
Less than 12 months, Unrealized Loss	-316	-57
12 months or more, Estimated Fair Value	876	0
12 months or more, Unrealized Loss	-67	0
Total Estimated Fair Value	6,682	2,526
Total Unrealized Loss	-383	-57
TemporarilyImpairedSecuritiesMember | State and Political Subdivisions Water and Sewer Revenues [Member]	'	'
Less than 12 months, Estimated Fair Value	634	1,240
Less than 12 months, Unrealized Loss	-35	-28
12 months or more, Estimated Fair Value	1,175	387
12 months or more, Unrealized Loss	-56	-4
Total Estimated Fair Value	1,809	1,627
Total Unrealized Loss	-91	-32
TemporarilyImpairedSecuritiesMember | State and Political Subdivisions Other Revenues [Member]	'	'
Less than 12 months, Estimated Fair Value	3,185	0
Less than 12 months, Unrealized Loss	-112	0
12 months or more, Estimated Fair Value	0	0
12 months or more, Unrealized Loss	0	0
Total Estimated Fair Value	3,185	0
Total Unrealized Loss	-112	0
TemporarilyImpairedSecuritiesMember | Corporate Debt Securities [Member]	'	'
Less than 12 months, Estimated Fair Value	2,954	0
Less than 12 months, Unrealized Loss	-45	0
12 months or more, Estimated Fair Value	0	962
12 months or more, Unrealized Loss	0	-38
Total Estimated Fair Value	2,954	962
Total Unrealized Loss	-45	-38
TemporarilyImpairedSecuritiesMember | Tax Exempt State and Political Subdivisions General Obligations [Member]	'	'
Less than 12 months, Estimated Fair Value	21,134	11,926
Less than 12 months, Unrealized Loss	-1,112	-145
12 months or more, Estimated Fair Value	0	0
12 months or more, Unrealized Loss	0	0
Total Estimated Fair Value	21,134	11,926
Total Unrealized Loss	-1,112	-145
TemporarilyImpairedSecuritiesMember | Tax Exempt State and Political Subdivisions Water and Sewer Revenues [Member]	'	'
Less than 12 months, Estimated Fair Value	6,505	2,534
Less than 12 months, Unrealized Loss	-290	-47
12 months or more, Estimated Fair Value	0	0
12 months or more, Unrealized Loss	0	0
Total Estimated Fair Value	6,505	2,534
Total Unrealized Loss	-290	-47
TemporarilyImpairedSecuritiesMember | Tax Exempt State and Political Subdivisions Lease Revenues [Member]	'	'
Less than 12 months, Estimated Fair Value	7,522	1,013
Less than 12 months, Unrealized Loss	-424	-13
12 months or more, Estimated Fair Value	366	0
12 months or more, Unrealized Loss	-17	0
Total Estimated Fair Value	7,888	1,013
Total Unrealized Loss	-441	-13
TemporarilyImpairedSecuritiesMember | Tax Exempt State and Political Subdivisions Lottery/casino Revenues [Member]	'	'
Less than 12 months, Estimated Fair Value	3,292	1,777
Less than 12 months, Unrealized Loss	-166	-9
12 months or more, Estimated Fair Value	0	0
12 months or more, Unrealized Loss	0	0
Total Estimated Fair Value	3,292	1,777
Total Unrealized Loss	-166	-9
TemporarilyImpairedSecuritiesMember | Tax Exempt State and Political Subdivisions Other Revenues [Member]	'	'
Less than 12 months, Estimated Fair Value	5,407	2,684
Less than 12 months, Unrealized Loss	-212	-23
12 months or more, Estimated Fair Value	0	0
12 months or more, Unrealized Loss	0	0
Total Estimated Fair Value	5,407	2,684
Total Unrealized Loss	-212	-23
Other Than Temporarily Impaired Securities [Member]	'	'
Less than 12 months, Estimated Fair Value	0	265
Less than 12 months, Unrealized Loss	0	-6
12 months or more, Estimated Fair Value	0	593
12 months or more, Unrealized Loss	0	-120
Total Estimated Fair Value	0	858
Total Unrealized Loss	0	-126
Other Than Temporarily Impaired Securities [Member] | Nongovernment Sponsored Agencies [Member]	'	'
Less than 12 months, Estimated Fair Value	0	265
Less than 12 months, Unrealized Loss	0	-6
12 months or more, Estimated Fair Value	0	593
12 months or more, Unrealized Loss	0	-120
Total Estimated Fair Value	0	858
Total Unrealized Loss	$0	($126)

6_Loans_Summary_Of_Loans_Net_O

6. Loans (Summary Of Loans, Net Of Unearned Fees) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Total loans, net of unearned fees	$952,208	$955,101	$958,753
Less allowance for loan losses	13,039	17,933	17,820
Loans, net	939,169	937,168	940,933
Commercial Loan [Member]	'	'	'
Total loans, net of unearned fees	83,844	85,829	88,997
Owner Occupied [Member]	'	'	'
Total loans, net of unearned fees	151,260	154,252	150,090
Non Owner Occupied [Member]	'	'	'
Total loans, net of unearned fees	279,412	276,082	279,132
Land And Land Improvements [Member]	'	'	'
Total loans, net of unearned fees	73,089	79,335	82,857
Construction Loans [Member]	'	'	'
Total loans, net of unearned fees	12,323	3,772	2,087
Non Jumbo [Member]	'	'	'
Total loans, net of unearned fees	215,058	216,714	215,584
Jumbo [Member]	'	'	'
Total loans, net of unearned fees	59,701	61,567	62,748
Home Equity [Member]	'	'	'
Total loans, net of unearned fees	53,674	53,263	53,455
Consumer Portfolio Segment [Member]	'	'	'
Total loans, net of unearned fees	20,472	20,586	21,290
Other Loans [Member]	'	'	'
Total loans, net of unearned fees	$3,375	$3,701	$2,513

6_Loans_Schedule_Of_Contractua

6. Loans (Schedule Of Contractual Aging Of Recorded Investment In Past Due Loans By Class) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Past Due, 30-59 days	$5,525	$4,400	$4,349
Past Due, 60-89 days	2,741	3,341	3,324
Past Due, > 90 days	22,062	31,761	35,453
Past Due, Total	30,328	39,503	43,126
Current	921,880	915,598	915,627
Recorded Investment > 90 days and Accruing	0	0	0
Commercial Loan [Member]	'	'	'
Past Due, 30-59 days	10	225	273
Past Due, 60-89 days	111	5	634
Past Due, > 90 days	1,583	2,294	1,594
Past Due, Total	1,704	2,524	2,501
Current	82,140	83,305	86,496
Recorded Investment > 90 days and Accruing	0	0	0
Owner Occupied [Member]	'	'	'
Past Due, 30-59 days	846	57	216
Past Due, 60-89 days	229	0	581
Past Due, > 90 days	432	1,023	400
Past Due, Total	1,507	1,080	1,197
Current	149,753	153,172	148,893
Recorded Investment > 90 days and Accruing	0	0	0
Non Owner Occupied [Member]	'	'	'
Past Due, 30-59 days	587	182	513
Past Due, 60-89 days	244	193	0
Past Due, > 90 days	0	908	1,882
Past Due, Total	831	1,283	2,395
Current	278,581	274,799	276,737
Recorded Investment > 90 days and Accruing	0	0	0
Land And Land Improvements [Member]	'	'	'
Past Due, 30-59 days	154	0	17
Past Due, 60-89 days	0	0	39
Past Due, > 90 days	8,669	11,795	13,412
Past Due, Total	8,823	11,795	13,468
Current	64,266	67,540	69,389
Recorded Investment > 90 days and Accruing	0	0	0
Construction Loans [Member]	'	'	'
Past Due, 30-59 days	0	0	50
Past Due, 60-89 days	0	0	0
Past Due, > 90 days	38	153	153
Past Due, Total	38	153	203
Current	12,285	3,619	1,884
Recorded Investment > 90 days and Accruing	0	0	0
Non Jumbo [Member]	'	'	'
Past Due, 30-59 days	3,467	3,344	2,681
Past Due, 60-89 days	2,031	2,616	2,029
Past Due, > 90 days	2,225	2,797	2,544
Past Due, Total	7,723	8,757	7,254
Current	207,335	207,957	208,330
Recorded Investment > 90 days and Accruing	0	0	0
Jumbo [Member]	'	'	'
Past Due, 30-59 days	0	0	0
Past Due, 60-89 days	0	0	0
Past Due, > 90 days	9,000	12,564	15,273
Past Due, Total	9,000	12,565	15,273
Current	50,701	49,002	47,475
Recorded Investment > 90 days and Accruing	0	0	0
Home Equity [Member]	'	'	'
Past Due, 30-59 days	214	337	280
Past Due, 60-89 days	49	448	5
Past Due, > 90 days	24	179	149
Past Due, Total	287	964	434
Current	53,387	52,299	53,021
Recorded Investment > 90 days and Accruing	0	0	0
Consumer Portfolio Segment [Member]	'	'	'
Past Due, 30-59 days	197	255	319
Past Due, 60-89 days	77	79	36
Past Due, > 90 days	91	48	46
Past Due, Total	365	382	401
Current	20,107	20,204	20,889
Recorded Investment > 90 days and Accruing	0	0	0
Other Loans [Member]	'	'	'
Past Due, 30-59 days	50	0	0
Past Due, 60-89 days	0	0	0
Past Due, > 90 days	0	0	0
Past Due, Total	50	0	0
Current	3,325	3,701	2,513
Recorded Investment > 90 days and Accruing	$0	$0	$0

6_Loans_Schedule_Of_Nonaccrual

6. Loans (Schedule Of Nonaccrual Loans Included In Net Balance Of Loans) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Nonaccrual Status	$31,771	$37,776	$43,803
Commercial Loan [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	2,557	5,002	5,343
Owner Occupied [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	3,795	1,524	921
Non Owner Occupied [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	0	1,032	1,882
Land And Land Improvements [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	12,851	13,487	16,558
Construction Loans [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	38	154	203
Non Jumbo [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	3,119	3,518	3,122
Jumbo [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	9,000	12,564	15,272
Home Equity [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	266	440	415
Consumer Portfolio Segment [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	145	55	87
Other Loans [Member]	'	'	'
Financing Receivable, Recorded Investment, Nonaccrual Status	$0	$0	$0

6_Loans_Schedule_Of_Method_Use

6. Loans (Schedule Of Method Used To Measure Impairment Of Impaired Loans) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Impaired Financing Receivable, Unpaid Principal Balance	$73,179	$95,232	$101,327
Commercial Loan [Member] | Fair Value Of Collateral [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	5,997	10,776	12,411
Commercial Loan [Member] | Discounted Cash Flow [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	160	165	0
Owner Occupied [Member] | Fair Value Of Collateral [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	9,054	14,028	13,248
Owner Occupied [Member] | Discounted Cash Flow [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	2,497	2,686	2,698
Non Owner Occupied [Member] | Fair Value Of Collateral [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	5,884	9,468	12,057
Land And Land Improvements [Member] | Fair Value Of Collateral [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	24,870	29,307	30,482
Land And Land Improvements [Member] | Discounted Cash Flow [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	649	656	656
Non Jumbo [Member] | Fair Value Of Collateral [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	5,133	5,626	5,461
Non Jumbo [Member] | Discounted Cash Flow [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	884	692	959
Jumbo [Member] | Fair Value Of Collateral [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	17,786	21,543	23,094
Home Equity [Member] | Fair Value Of Collateral [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	213	219	219
Consumer Portfolio Segment [Member] | Fair Value Of Collateral [Member]	'	'	'
Impaired Financing Receivable, Unpaid Principal Balance	$52	$66	$42

6_Loans_Schedule_Of_Loans_Indi

6. Loans (Schedule Of Loans Individually Evaluated For Impairment) (Details) (USD $)	9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Recorded Investment	$73,146	$101,285	$95,190
Unpaid Principal Balance	73,179	101,327	95,232
Related Allowance	3,814	7,309	7,097
Average Impaired Balance	75,966	79,984	79,395
Interest Income Recognized while impaired	2,386	2,278	2,370
Commercial Loan [Member]	'	'	'
Without a related allowance, Recorded Investment	4,254	12,059	10,518
Without a related allowance, Unpaid Principal Balance	4,268	12,075	10,537
Without a related allowance, Average Impaired Balance	5,632	3,148	3,131
Without a related allowance, Interest Income Recognized while impaired	334	54	134
With a related allowance, Recorded Investment	1,891	336	404
With a related allowance, Unpaid Principal Balance	1,889	336	404
With a related allowance, Related Allowance	702	86	85
With a related allowance, Average Impaired Balance	2,537	299	515
With a related allowance, Interest Income Recognized while impaired	0	6	6
Owner Occupied	'	'	'
Without a related allowance, Recorded Investment	7,609	11,370	9,992
Without a related allowance, Unpaid Principal Balance	7,613	11,373	9,996
Without a related allowance, Average Impaired Balance	8,839	8,058	8,528
Without a related allowance, Interest Income Recognized while impaired	293	346	368
With a related allowance, Recorded Investment	3,938	4,573	6,719
With a related allowance, Unpaid Principal Balance	3,938	4,573	6,718
With a related allowance, Related Allowance	216	241	461
With a related allowance, Average Impaired Balance	3,956	4,409	4,442
With a related allowance, Interest Income Recognized while impaired	138	209	187
Non Owner Occupied	'	'	'
Without a related allowance, Recorded Investment	5,368	8,537	6,143
Without a related allowance, Unpaid Principal Balance	5,370	8,540	6,145
Without a related allowance, Average Impaired Balance	5,800	6,349	6,056
Without a related allowance, Interest Income Recognized while impaired	289	304	304
With a related allowance, Recorded Investment	514	3,516	3,321
With a related allowance, Unpaid Principal Balance	514	3,517	3,323
With a related allowance, Related Allowance	110	475	286
With a related allowance, Average Impaired Balance	516	3,361	3,341
With a related allowance, Interest Income Recognized while impaired	28	115	115
Land And Land Improvements	'	'	'
Without a related allowance, Recorded Investment	20,923	15,624	11,596
Without a related allowance, Unpaid Principal Balance	20,921	15,624	11,596
Without a related allowance, Average Impaired Balance	20,331	14,060	11,093
Without a related allowance, Interest Income Recognized while impaired	404	524	367
With a related allowance, Recorded Investment	4,597	15,514	18,367
With a related allowance, Unpaid Principal Balance	4,598	15,514	18,367
With a related allowance, Related Allowance	1,390	2,762	2,611
With a related allowance, Average Impaired Balance	3,992	15,026	17,633
With a related allowance, Interest Income Recognized while impaired	121	182	344
Construction	'	'	'
Without a related allowance, Recorded Investment	0	0	0
Without a related allowance, Unpaid Principal Balance	0	0	0
Without a related allowance, Average Impaired Balance	0	0	0
Without a related allowance, Interest Income Recognized while impaired	0	0	0
With a related allowance, Recorded Investment	0	0	0
With a related allowance, Unpaid Principal Balance	0	0	0
With a related allowance, Related Allowance	0	0	0
With a related allowance, Average Impaired Balance	0	0	0
With a related allowance, Interest Income Recognized while impaired	0	0	0
Non Jumbo	'	'	'
Without a related allowance, Recorded Investment	2,888	3,987	3,497
Without a related allowance, Unpaid Principal Balance	2,895	3,996	3,505
Without a related allowance, Average Impaired Balance	2,930	3,545	3,040
Without a related allowance, Interest Income Recognized while impaired	171	135	125
With a related allowance, Recorded Investment	3,119	2,422	2,812
With a related allowance, Unpaid Principal Balance	3,122	2,424	2,813
With a related allowance, Related Allowance	316	502	394
With a related allowance, Average Impaired Balance	2,843	1,787	2,378
With a related allowance, Interest Income Recognized while impaired	130	101	77
Jumbo	'	'	'
Without a related allowance, Recorded Investment	7,876	8,902	7,347
Without a related allowance, Unpaid Principal Balance	7,882	8,905	7,349
Without a related allowance, Average Impaired Balance	8,168	6,497	5,399
Without a related allowance, Interest Income Recognized while impaired	419	257	272
With a related allowance, Recorded Investment	9,904	14,183	14,189
With a related allowance, Unpaid Principal Balance	9,904	14,189	14,194
With a related allowance, Related Allowance	1,040	3,211	3,216
With a related allowance, Average Impaired Balance	10,152	13,193	13,585
With a related allowance, Interest Income Recognized while impaired	45	32	59
Home Equity	'	'	'
Without a related allowance, Recorded Investment	186	191	191
Without a related allowance, Unpaid Principal Balance	186	191	191
Without a related allowance, Average Impaired Balance	186	192	191
Without a related allowance, Interest Income Recognized while impaired	11	12	11
With a related allowance, Recorded Investment	27	28	28
With a related allowance, Unpaid Principal Balance	27	28	28
With a related allowance, Related Allowance	27	28	28
With a related allowance, Average Impaired Balance	27	29	29
With a related allowance, Interest Income Recognized while impaired	0	0	0
Consumer Portfolio Segment	'	'	'
Without a related allowance, Recorded Investment	28	39	38
Without a related allowance, Unpaid Principal Balance	28	38	38
Without a related allowance, Average Impaired Balance	32	30	32
Without a related allowance, Interest Income Recognized while impaired	2	1	1
With a related allowance, Recorded Investment	24	4	28
With a related allowance, Unpaid Principal Balance	24	4	28
With a related allowance, Related Allowance	13	4	16
With a related allowance, Average Impaired Balance	25	1	2
With a related allowance, Interest Income Recognized while impaired	1	0	0
Total Without a Related Allowance	'	'	'
Without a related allowance, Recorded Investment	49,132	60,709	49,322
Without a related allowance, Unpaid Principal Balance	49,163	60,742	49,357
Without a related allowance, Average Impaired Balance	51,918	41,879	37,470
Without a related allowance, Interest Income Recognized while impaired	1,923	1,633	1,582
Total With a Related Allowance	'	'	'
With a related allowance, Recorded Investment	24,014	40,576	45,868
With a related allowance, Unpaid Principal Balance	24,016	40,585	45,875
With a related allowance, Related Allowance	3,814	7,309	7,097
With a related allowance, Average Impaired Balance	24,048	38,105	41,925
With a related allowance, Interest Income Recognized while impaired	463	645	788
Total Commercial	'	'	'
Recorded Investment	49,094	71,529	67,060
Unpaid Principal Balance	49,111	71,552	67,086
Related Allowance	2,418	3,564	3,443
Average Impaired Balance	51,603	54,710	54,739
Interest Income Recognized while impaired	1,607	1,740	1,825
Total Residential Real Estate	'	'	'
Recorded Investment	24,000	29,713	28,064
Unpaid Principal Balance	24,016	29,733	28,080
Related Allowance	1,383	3,741	3,638
Average Impaired Balance	24,306	25,243	24,622
Interest Income Recognized while impaired	776	537	544
Total Consumer	'	'	'
Recorded Investment	52	43	66
Unpaid Principal Balance	52	42	66
Related Allowance	13	4	16
Average Impaired Balance	57	31	34
Interest Income Recognized while impaired	$3	$1	$1

6_Loans_Schedule_Of_Restructur

6. Loans (Schedule Of Restructured Trouble Debt Restructuring By Class) (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Number of Modifications	2	6	6	21
Pre-modification Recorded Investment	$487	$4,544	$800	$12,475
Post-modification Recorded Investment	487	4,544	587	11,728
Commercial Loan [Member]	'	'	'	'
Number of Modifications	0	0	1	3
Pre-modification Recorded Investment	0	0	23	1,109
Post-modification Recorded Investment	0	0	23	1,117
Owner Occupied	'	'	'	'
Number of Modifications	0	0	0	0
Pre-modification Recorded Investment	0	0	0	0
Post-modification Recorded Investment	0	0	0	0
Non Owner Occupied	'	'	'	'
Number of Modifications	0	1	0	3
Pre-modification Recorded Investment	0	1,929	0	4,063
Post-modification Recorded Investment	0	1,929	0	3,685
Land And Land Improvements	'	'	'	'
Number of Modifications	0	2	1	3
Pre-modification Recorded Investment	0	1,927	49	3,715
Post-modification Recorded Investment	0	1,927	50	2,927
Construction	'	'	'	'
Number of Modifications	0	0	0	0
Pre-modification Recorded Investment	0	0	0	0
Post-modification Recorded Investment	0	0	0	0
Non Jumbo	'	'	'	'
Number of Modifications	2	3	4	7
Pre-modification Recorded Investment	487	688	728	1,245
Post-modification Recorded Investment	487	688	514	1,256
Jumbo	'	'	'	'
Number of Modifications	0	0	0	3
Pre-modification Recorded Investment	0	0	0	2,301
Post-modification Recorded Investment	0	0	0	2,701
Home Equity	'	'	'	'
Number of Modifications	0	0	0	0
Pre-modification Recorded Investment	0	0	0	0
Post-modification Recorded Investment	0	0	0	0
Consumer Portfolio Segment	'	'	'	'
Number of Modifications	0	0	0	2
Pre-modification Recorded Investment	0	0	0	42
Post-modification Recorded Investment	$0	$0	$0	$42

6_Loans_Schedule_Of_Defaults_D

6. Loans (Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings) (Details) (USD $)	3 Months Ended	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2013
	Default	Default
Number of Defaults	3	7
Recorded Investment at Default Date	$261	$2,460
Commercial Loan [Member]	'	'
Number of Defaults	0	0
Recorded Investment at Default Date	0	0
Owner Occupied	'	'
Number of Defaults	0	0
Recorded Investment at Default Date	0	0
Non Owner Occupied	'	'
Number of Defaults	0	0
Recorded Investment at Default Date	0	0
Land And Land Improvements	'	'
Number of Defaults	0	2
Recorded Investment at Default Date	0	1,676
Construction	'	'
Number of Defaults	0	0
Recorded Investment at Default Date	0	0
Non Jumbo	'	'
Number of Defaults	1	3
Recorded Investment at Default Date	239	760
Jumbo	'	'
Number of Defaults	0	0
Recorded Investment at Default Date	0	0
Home Equity	'	'
Number of Defaults	0	0
Recorded Investment at Default Date	0	0
Consumer Portfolio Segment	'	'
Number of Defaults	2	2
Recorded Investment at Default Date	$22	$24

6_Loans_Schedule_of_the_Activi

6. Loans (Schedule of the Activity Regarding TDRs by Loan Type) (Details) (USD $)	3 Months Ended	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2013
Troubled debt restructurings	$48,066	$56,728
Additions	487	800
Charge-offs	-113	-4,671
Net (paydowns) advances	-4,644	-6,652
Transfer into OREO	0	-518
Refinance out of TDR status	0	-1,891
Troubled debt restructurings	43,796	43,796
Allowance related to troubled debt restructurings	1,834	1,834
Land And Land Improvements	'	'
Troubled debt restructurings	8,549	9,570
Additions	0	49
Charge-offs	0	-888
Net (paydowns) advances	-3,007	-3,189
Transfer into OREO	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings	5,542	5,542
Allowance related to troubled debt restructurings	22	22
Construction	'	'
Troubled debt restructurings	0	'
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	0	0
Transfer into OREO	0	0
Refinance out of TDR status	0	0
Allowance related to troubled debt restructurings	0	0
Commercial Loan [Member]	'	'
Troubled debt restructurings	3,735	4,981
Additions	0	23
Charge-offs	0	-33
Net (paydowns) advances	-1,441	-2,677
Transfer into OREO	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings	2,294	2,294
Allowance related to troubled debt restructurings	131	131
Owner Occupied	'	'
Troubled debt restructurings	9,986	10,692
Additions	0	0
Charge-offs	0	-63
Net (paydowns) advances	-211	-336
Transfer into OREO	0	-518
Refinance out of TDR status	0	0
Troubled debt restructurings	9,775	9,775
Allowance related to troubled debt restructurings	216	216
Non Owner Occupied	'	'
Troubled debt restructurings	5,367	7,331
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	-31	-104
Transfer into OREO	0	0
Refinance out of TDR status	0	-1,891
Troubled debt restructurings	5,336	5,336
Allowance related to troubled debt restructurings	110	110
Non Jumbo	'	'
Troubled debt restructurings	5,018	5,089
Additions	487	728
Charge-offs	0	-9
Net (paydowns) advances	-28	-331
Transfer into OREO	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings	5,477	5,477
Allowance related to troubled debt restructurings	302	302
Jumbo	'	'
Troubled debt restructurings	15,349	19,000
Additions	0	0
Charge-offs	-113	-3,678
Net (paydowns) advances	84	-2
Transfer into OREO	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings	15,320	15,320
Allowance related to troubled debt restructurings	1,040	1,040
Home Equity	'	'
Troubled debt restructurings	0	0
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	0	0
Transfer into OREO	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings	0	0
Allowance related to troubled debt restructurings	0	0
Consumer Portfolio Segment	'	'
Troubled debt restructurings	62	65
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	-10	-13
Transfer into OREO	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings	52	52
Allowance related to troubled debt restructurings	13	13
Other Loans [Member]	'	'
Troubled debt restructurings	0	0
Additions	0	0
Charge-offs	0	0
Net (paydowns) advances	0	0
Transfer into OREO	0	0
Refinance out of TDR status	0	0
Troubled debt restructurings	0	0
Allowance related to troubled debt restructurings	$0	$0

6_Loans_Schedule_Of_Recorded_I

6. Loans (Schedule Of Recorded Investment Evaluated Based On Internal Risk Ratings) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total	$952,208	'
Land And Land Improvements [Member]	'	'
Total	73,089	79,335
Construction Loans [Member]	'	'
Total	12,323	3,772
Commercial Loan [Member]	'	'
Total	83,844	85,829
Owner Occupied [Member]	'	'
Total	151,260	154,252
Non Owner Occupied [Member]	'	'
Total	279,412	276,082
Pass [Member] | Land And Land Improvements [Member]	'	'
Total	43,400	43,572
Pass [Member] | Construction Loans [Member]	'	'
Total	12,285	3,619
Pass [Member] | Commercial Loan [Member]	'	'
Total	75,968	73,425
Pass [Member] | Owner Occupied [Member]	'	'
Total	145,349	139,176
Pass [Member] | Non Owner Occupied [Member]	'	'
Total	268,002	262,132
Special Mention [Member] | Land And Land Improvements [Member]	'	'
Total	5,603	7,349
Special Mention [Member] | Construction Loans [Member]	'	'
Total	0	0
Special Mention [Member] | Commercial Loan [Member]	'	'
Total	1,501	1,260
Special Mention [Member] | Owner Occupied [Member]	'	'
Total	1,422	1,034
Special Mention [Member] | Non Owner Occupied [Member]	'	'
Total	11,141	11,477
Substandard [Member] | Land And Land Improvements [Member]	'	'
Total	23,977	28,414
Substandard [Member] | Construction Loans [Member]	'	'
Total	38	153
Substandard [Member] | Commercial Loan [Member]	'	'
Total	5,264	11,144
Substandard [Member] | Owner Occupied [Member]	'	'
Total	4,489	14,042
Substandard [Member] | Non Owner Occupied [Member]	'	'
Total	269	2,473
Doubtful [Member] | Land And Land Improvements [Member]	'	'
Total	109	0
Doubtful [Member] | Construction Loans [Member]	'	'
Total	0	0
Doubtful [Member] | Commercial Loan [Member]	'	'
Total	1,111	0
Doubtful [Member] | Owner Occupied [Member]	'	'
Total	0	0
Doubtful [Member] | Non Owner Occupied [Member]	'	'
Total	0	0
Loss [Member] | Land And Land Improvements [Member]	'	'
Total	0	0
Loss [Member] | Construction Loans [Member]	'	'
Total	0	0
Loss [Member] | Commercial Loan [Member]	'	'
Total	0	0
Loss [Member] | Owner Occupied [Member]	'	'
Total	0	0
Loss [Member] | Non Owner Occupied [Member]	'	'
Total	$0	$0

6_Loans_Schedule_Of_Recorded_I1

6. Loans (Schedule Of Recorded Investment Evaluated Based On Aging Status Of Loans And Payment Activity) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Performing Financing Receivable [Member]	'	'	'
Total	$339,750	$339,254	$336,760
Performing Financing Receivable [Member] | Non Jumbo [Member]	'	'	'
Total	211,939	213,196	212,529
Performing Financing Receivable [Member] | Jumbo [Member]	'	'	'
Total	50,701	49,003	47,476
Performing Financing Receivable [Member] | Home Equity [Member]	'	'	'
Total	53,408	52,823	53,040
Performing Financing Receivable [Member] | Consumer Portfolio Segment [Member]	'	'	'
Total	20,327	20,531	21,202
Performing Financing Receivable [Member] | Other Loans [Member]	'	'	'
Total	3,375	3,701	2,513
Nonperforming Financing Receivable [Member]	'	'	'
Total	12,530	16,577	18,830
Nonperforming Financing Receivable [Member] | Non Jumbo [Member]	'	'	'
Total	3,119	3,518	3,055
Nonperforming Financing Receivable [Member] | Jumbo [Member]	'	'	'
Total	9,000	12,564	15,272
Nonperforming Financing Receivable [Member] | Home Equity [Member]	'	'	'
Total	266	440	415
Nonperforming Financing Receivable [Member] | Consumer Portfolio Segment [Member]	'	'	'
Total	$145	$55	$88

6_Loans_Narrative_Details

6. Loans (Narrative) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Millions, unless otherwise specified
Loans and Leases Receivable Disclosure [Abstract]	'	'
Troubled debt restructurings included in impaired loans	$43.80	$56.70

7_Allowance_For_Loan_Losses_Su

7. Allowance For Loan Losses (Summary Of Analysis Of Allowance For Loan Losses) (Details) (USD $)	9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Beginning balance	$17,933	$17,712	$17,712
Total, Losses	9,290	6,272	8,817
Total Recoveries	896	378	538
Net losses	8,394	5,894	8,279
Provision for loan losses	3,500	6,002	8,500
Ending balance	13,039	17,820	17,933
Commercial Loan [Member]	'	'	'
Beginning balance	782	'	'
Total, Losses	205	355	1,273
Total Recoveries	7	7	13
Provision for loan losses	888	'	'
Ending balance	1,472	'	782
Owner Occupied [Member]	'	'	'
Beginning balance	1,387	'	'
Total, Losses	1,067	636	636
Total Recoveries	2	24	33
Provision for loan losses	1,071	'	'
Ending balance	1,393	'	1,387
Non Owner Occupied [Member]	'	'	'
Beginning balance	3,269	'	'
Total, Losses	9	436	806
Total Recoveries	633	20	31
Provision for loan losses	-3,716	'	'
Ending balance	177	'	3,269
Land And Land Development [Member]	'	'	'
Beginning balance	5,220	'	'
Total, Losses	3,560	2,319	3,390
Total Recoveries	13	16	61
Provision for loan losses	2,780	'	'
Ending balance	4,453	'	5,220
Construction Loans [Member]	'	'	'
Beginning balance	138	'	'
Total, Losses	0	367	367
Total Recoveries	0	0	0
Provision for loan losses	95	'	'
Ending balance	233	'	138
Non Jumbo [Member]	'	'	'
Beginning balance	2,617	'	'
Total, Losses	494	1,257	1,372
Total Recoveries	106	51	81
Provision for loan losses	-66	'	'
Ending balance	2,163	'	2,617
Jumbo [Member]	'	'	'
Beginning balance	3,942	'	'
Total, Losses	3,739	737	737
Total Recoveries	4	85	86
Provision for loan losses	2,636	'	'
Ending balance	2,843	'	3,942
Home Equity [Member]	'	'	'
Beginning balance	425	'	'
Total, Losses	77	5	5
Total Recoveries	4	60	61
Provision for loan losses	-162	'	'
Ending balance	190	'	425
Consumer Portfolio Segment [Member]	'	'	'
Beginning balance	132	'	'
Total, Losses	55	91	136
Total Recoveries	53	53	95
Provision for loan losses	-43	'	'
Ending balance	87	'	132
Unallocated Financing Receivables [Member]	'	'	'
Beginning balance	21	'	'
Total, Losses	84	69	95
Total Recoveries	74	62	77
Provision for loan losses	17	'	'
Ending balance	$28	'	$21

7_Allowance_For_Loan_Losses_Su1

7. Allowance For Loan Losses (Summary Of Net Unearned Income) (Details) (USD $)	9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Beginning balance	$17,933	$17,712	$17,712
Charge-offs	9,290	6,272	8,817
Recoveries	896	378	538
Provision	3,500	6,002	8,500
Ending balance	13,039	17,820	17,933
Allowance related to: Loans individually evaluated for impairment	3,814	'	'
Allowance related to: Loans collectively evaluated for impairment	9,225	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	13,039	'	'
Loans individually evaluated for impairment	73,179	'	'
Loans collectively evaluated for impairment	879,029	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	952,208	'	'
Land And Land Development [Member]	'	'	'
Beginning balance	5,220	'	'
Charge-offs	3,560	2,319	3,390
Recoveries	13	16	61
Provision	2,780	'	'
Ending balance	4,453	'	5,220
Allowance related to: Loans individually evaluated for impairment	1,390	'	'
Allowance related to: Loans collectively evaluated for impairment	3,063	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	4,453	'	'
Loans individually evaluated for impairment	25,519	'	'
Loans collectively evaluated for impairment	47,570	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	73,089	'	'
Construction Loans [Member]	'	'	'
Beginning balance	138	'	'
Charge-offs	0	367	367
Recoveries	0	0	0
Provision	95	'	'
Ending balance	233	'	138
Allowance related to: Loans individually evaluated for impairment	0	'	'
Allowance related to: Loans collectively evaluated for impairment	233	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	233	'	'
Loans individually evaluated for impairment	0	'	'
Loans collectively evaluated for impairment	12,323	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	12,323	'	'
Commercial Loan [Member]	'	'	'
Beginning balance	782	'	'
Charge-offs	205	355	1,273
Recoveries	7	7	13
Provision	888	'	'
Ending balance	1,472	'	782
Allowance related to: Loans individually evaluated for impairment	702	'	'
Allowance related to: Loans collectively evaluated for impairment	770	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	1,472	'	'
Loans individually evaluated for impairment	6,157	'	'
Loans collectively evaluated for impairment	77,687	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	83,844	'	'
Owner Occupied [Member]	'	'	'
Beginning balance	1,387	'	'
Charge-offs	1,067	636	636
Recoveries	2	24	33
Provision	1,071	'	'
Ending balance	1,393	'	1,387
Allowance related to: Loans individually evaluated for impairment	216	'	'
Allowance related to: Loans collectively evaluated for impairment	1,177	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	1,393	'	'
Loans individually evaluated for impairment	11,551	'	'
Loans collectively evaluated for impairment	139,709	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	151,260	'	'
Non Owner Occupied [Member]	'	'	'
Beginning balance	3,269	'	'
Charge-offs	9	436	806
Recoveries	633	20	31
Provision	-3,716	'	'
Ending balance	177	'	3,269
Allowance related to: Loans individually evaluated for impairment	110	'	'
Allowance related to: Loans collectively evaluated for impairment	67	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	177	'	'
Loans individually evaluated for impairment	5,884	'	'
Loans collectively evaluated for impairment	273,528	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	279,412	'	'
Non Jumbo [Member]	'	'	'
Beginning balance	2,617	'	'
Charge-offs	494	1,257	1,372
Recoveries	106	51	81
Provision	-66	'	'
Ending balance	2,163	'	2,617
Allowance related to: Loans individually evaluated for impairment	316	'	'
Allowance related to: Loans collectively evaluated for impairment	1,847	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	2,163	'	'
Loans individually evaluated for impairment	6,017	'	'
Loans collectively evaluated for impairment	209,041	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	215,058	'	'
Jumbo [Member]	'	'	'
Beginning balance	3,942	'	'
Charge-offs	3,739	737	737
Recoveries	4	85	86
Provision	2,636	'	'
Ending balance	2,843	'	3,942
Allowance related to: Loans individually evaluated for impairment	1,040	'	'
Allowance related to: Loans collectively evaluated for impairment	1,803	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	2,843	'	'
Loans individually evaluated for impairment	17,786	'	'
Loans collectively evaluated for impairment	41,915	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	59,701	'	'
Home Equity [Member]	'	'	'
Beginning balance	425	'	'
Charge-offs	77	5	5
Recoveries	4	60	61
Provision	-162	'	'
Ending balance	190	'	425
Allowance related to: Loans individually evaluated for impairment	27	'	'
Allowance related to: Loans collectively evaluated for impairment	163	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	190	'	'
Loans individually evaluated for impairment	213	'	'
Loans collectively evaluated for impairment	53,461	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	53,674	'	'
Consumer Portfolio Segment [Member]	'	'	'
Beginning balance	132	'	'
Charge-offs	55	91	136
Recoveries	53	53	95
Provision	-43	'	'
Ending balance	87	'	132
Allowance related to: Loans individually evaluated for impairment	13	'	'
Allowance related to: Loans collectively evaluated for impairment	74	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	87	'	'
Loans individually evaluated for impairment	52	'	'
Loans collectively evaluated for impairment	20,420	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	20,472	'	'
Unallocated Financing Receivables [Member]	'	'	'
Beginning balance	21	'	'
Charge-offs	84	69	95
Recoveries	74	62	77
Provision	17	'	'
Ending balance	28	'	21
Allowance related to: Loans individually evaluated for impairment	0	'	'
Allowance related to: Loans collectively evaluated for impairment	28	'	'
Allowance related to: Loans acquired with deteriorated credit quality	0	'	'
Total Allowance	28	'	'
Loans individually evaluated for impairment	0	'	'
Loans collectively evaluated for impairment	3,375	'	'
Loans acquired with deteriorated credit quality	0	'	'
Total, Loans	$3,375	'	'

8_Goodwill_And_Other_Intangibl2

8. Goodwill And Other Intangible Assets (Summary Of Goodwill Activity) (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013
Goodwill, beginning balance	$6,198
Acquired goodwill, net	0
Goodwill, ending balance	6,198
Community Banking [Member]	'
Goodwill, beginning balance	1,488
Acquired goodwill, net	0
Goodwill, ending balance	1,488
Insurance Services [Member]	'
Goodwill, beginning balance	4,710
Acquired goodwill, net	0
Goodwill, ending balance	$4,710

8_Goodwill_And_Other_Intangibl3

8. Goodwill And Other Intangible Assets (Summary Of Other Intangible Assets) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Unidentifiable intangible assets, Gross carrying amount	$2,267	$2,267
Unidentifiable intangible assets, Less: accumulated amortization	2,179	2,065
Unidentifiable intangible assets, Net carrying amount	88	202
Identifiable intangible assets, Gross carrying amount	3,000	3,000
Identifiable intangible assets, Less: accumulated amortization	1,250	1,100
Identifiable intangible assets, Net carrying amount	1,750	1,900
Community Banking [Member]	'	'
Unidentifiable intangible assets, Gross carrying amount	2,267	2,267
Unidentifiable intangible assets, Less: accumulated amortization	2,179	2,065
Unidentifiable intangible assets, Net carrying amount	88	202
Insurance Services [Member]	'	'
Identifiable intangible assets, Gross carrying amount	3,000	3,000
Identifiable intangible assets, Less: accumulated amortization	1,250	1,100
Identifiable intangible assets, Net carrying amount	$1,750	$1,900

8_Goodwill_And_Other_Intangibl4

8. Goodwill And Other Intangible Assets (Narrative) (Details) (USD $)	9 Months Ended
	Sep. 30, 2013
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]	'
Recorded amortization expense	$263,000
Annual amortization, 2013	351,000
Annual amortization, 2014	251,000
Annual amortization, 2015	200,000
Annual amortization, 2016	200,000
Annual amortization, 2017	$200,000

9_Deposits_Summary_Of_Interest

9. Deposits (Summary Of Interest Bearing Deposits By Type) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012		Sep. 30, 2012
In Thousands, unless otherwise specified
Deposits	'	'		'
Demand deposits, interest bearing	$186,702	$175,706		$177,236
Savings deposits	193,285	193,039		197,610
Time deposits	537,639	557,788		555,697
Total	$917,626	$926,533	[1]	$930,543
[1]	December 31, 2012 financial information has been extracted from audited consolidated financial statements

9_Deposits_Summary_Of_Schedule

9. Deposits (Summary Of Scheduled Maturities For All Time Deposits) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Deposits	'	'	'
Three month period ending December 31, 2013	$78,769	'	'
Year ending December 31, 2014	174,501	'	'
Year ending December 31, 2015	71,003	'	'
Year ending December 31, 2016	84,033	'	'
Year ending December 31, 2017	30,169	'	'
Thereafter	99,164	'	'
Total	$537,639	$557,788	$555,697

9_Deposits_Summary_Of_Maturity

9. Deposits (Summary Of Maturity Distribution Of All Certificates Of Deposit) (Details) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Deposits	'
Three months or less	$53,212
Three through six months	23,785
Six through twelve months	82,135
Over twelve months	232,620
Total	$391,752
Three months or less, percentage	13.60%
Three through six months, percentage	6.10%
Six through twelve months, percentage	21.00%
Over twelve months, percentage	59.30%
Total, percentage	100.00%

9_Deposits_Narrative_Details

9. Deposits (Narrative) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Millions, unless otherwise specified
Deposits	'	'	'
Time deposits acquired through a third party ("brokered deposits")	$174.50	$190.40	$207.30

10_Borrowed_Funds_Summary_Of_S

10. Borrowed Funds (Summary Of Short-Term Borrowings) (Details) (USD $)	9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Balance at the Begining	$54,163	$20,957	$3,958	[1]
Federal Home Loan Bank Advances [Member]	'	'	'
Balance at the Begining	45,200	20,000	3,000
Average balance outstanding for the period	22,834	13,294	12,291
Maximum balance outstanding at any month end during period	45,200	20,000	20,000
Weighted average interest rate for the period	0.27%	0.23%	0.24%
Weighted average interest rate for balances outstanding	0.26%	0.26%	0.25%
Federal Funds Purchased And Lines Of Credit [Member]	'	'	'
Balance at the Begining	8,963	957	958
Average balance outstanding for the period	2,745	956	957
Maximum balance outstanding at any month end during period	$8,963	$957	$958
Weighted average interest rate for the period	0.25%	0.25%	0.25%
Weighted average interest rate for balances outstanding	0.25%	0.25%	0.25%
[1]	December 31, 2012 financial information has been extracted from audited consolidated financial statements

10_Borrowed_Funds_Summary_Of_L

10. Borrowed Funds (Summary Of Long-Term Borrowings) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Debt Disclosure [Abstract]	'	'	'
Long-term FHLB advances	$82,624	$122,693	$122,718
Long-term reverse repurchase agreements	72,000	72,000	72,000
Term loans	8,916	8,575	9,026
Total	$163,540	$203,268	$203,744

10_Borrowed_Funds_Summary_Of_T

10. Borrowed Funds (Summary Of The Maturities Of All Long-Term Borrowings And Subordinated Debentures) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Total	$163,540	$203,268	$203,744
Long-term Debt [Member]	'	'	'
2013	24	'	'
2014	82,527	'	'
2015	1,909	'	'
2016	28,911	'	'
2017	918	'	'
Thereafter	49,251	'	'
Total	163,540	'	'
Subordinated Debt [Member]	'	'	'
2013	0	'	'
2014	0	'	'
2015	10,000	'	'
2016	0	'	'
2017	0	'	'
Thereafter	6,800	'	'
Total	16,800	'	'
Subordinated Debentures Owed To Unconsolidated Subsidiary Trusts [Member]	'	'	'
2013	0	'	'
2014	0	'	'
2015	0	'	'
2016	0	'	'
2017	0	'	'
Thereafter	19,589	'	'
Total	$19,589	'	'

10_Borrowed_Funds_Narrative_De

10. Borrowed Funds (Narrative) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012		Sep. 30, 2012
In Thousands, unless otherwise specified
Debt Disclosure [Abstract]	'	'		'
Long-term borrowings	$163,540	$203,268		$203,744
Average interest rate paid on long-term borrowings	3.89%	'		3.92%
Subordinated debentures	16,800	16,800	[1]	16,800
Subordinated debentures owed to unconsolidated subsidiary trusts	$19,589	$19,589	[1]	$19,589
[1]	December 31, 2012 financial information has been extracted from audited consolidated financial statements

11_Stock_Option_Plan_Summary_O

11. Stock Option Plan (Summary Of Activity In Stock Option Plans) (Details) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Shares Held in Employee Stock Ownership Plan [Abstract]	'	'
Outstanding Options, Beginning Balance	249,700	317,180
Outstanding Options, Granted	'	'
Outstanding Options, Exercised	-15,200	'
Outstanding Options, Forfeited	-1,750	'
Outstanding Options, Expired	-39,700	-22,800
Outstanding Options, Ending Balance	193,050	294,380
Outstanding, Weighted-Average Exercise Price, Beginning Balance	$18.98	$18.17
Outstanding, Weighted-Average Exercise Price, Granted	'	'
Outstanding, Weighted-Average Exercise Price, Exercised	$5.27	'
Outstanding, Weighted-Average Exercise Price, Forfeited	$19.69	'
Outstanding, Weighted-Average Exercise Price, Expired	$23.41	$5.12
Outstanding, Weighted-Average Exercise Price, Ending Balance	$19.14	$19.18

11_Stock_Option_Plan_Options_O

11. Stock Option Plan (Options Outstanding And Exercisable) (Details) (USD $)	9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013
Options Outstanding, # of shares	193,050
Options Outstanding, WAEP	$19.14
Options Outstanding, Aggregate Intrinsic Value	$81
Options Exercisable, # of shares	190,450
Options Exercisable, WAEP	$19.35
Options Exercisable, Aggregate Intrinsic Value	68
Range Of Exercise Price Two Dollar And Fifty Four Cent To Six Dollar [Member]	'
Range of exercise price, Lower	$2.54
Range of exercise price, Upper	$6
Options Outstanding, # of shares	19,550
Options Outstanding, WAEP	$4.86
Options Outstanding, Wted. Avg. Remaining Contractual Life (yrs)	'3 years 6 months
Options Outstanding, Aggregate Intrinsic Value	74
Options Exercisable, # of shares	17,550
Options Exercisable, WAEP	$5.13
Options Exercisable, Aggregate Intrinsic Value	62
Range Of Exercise Price Six Dollar And One Cent To Ten Dollar [Member]	'
Range of exercise price, Lower	$6.01
Range of exercise price, Upper	$10
Options Outstanding, # of shares	28,200
Options Outstanding, WAEP	$9.14
Options Outstanding, Wted. Avg. Remaining Contractual Life (yrs)	'2 years 10 months 21 days
Options Outstanding, Aggregate Intrinsic Value	7
Options Exercisable, # of shares	27,600
Options Exercisable, WAEP	$9.20
Options Exercisable, Aggregate Intrinsic Value	6
Range Of Exercise Price Ten Dollar And One Cent To Seventeen Dollar And Fifty Cent [Member]	'
Range of exercise price, Lower	$10.01
Range of exercise price, Upper	$17.50
Options Outstanding, # of shares	2,300
Options Outstanding, WAEP	$17.43
Options Outstanding, Wted. Avg. Remaining Contractual Life (yrs)	'5 months 1 day
Options Outstanding, Aggregate Intrinsic Value	'
Options Exercisable, # of shares	2,300
Options Exercisable, WAEP	$17.43
Options Exercisable, Aggregate Intrinsic Value	'
Range Of Exercise Price Seventeen Dollar And Fifty One Cent To Twenty Dollar [Member]	'
Range of exercise price, Lower	$17.51
Range of exercise price, Upper	$20
Options Outstanding, # of shares	38,500
Options Outstanding, WAEP	$17.80
Options Outstanding, Wted. Avg. Remaining Contractual Life (yrs)	'3 years 3 months
Options Outstanding, Aggregate Intrinsic Value	'
Options Exercisable, # of shares	38,500
Options Exercisable, WAEP	$17.80
Options Exercisable, Aggregate Intrinsic Value	'
Range Of Exercise Price Twenty Dollar And One Cent To Twenty Five Dollar And Ninety Three Cent [Member]	'
Range of exercise price, Lower	$20.01
Range of exercise price, Upper	$25.93
Options Outstanding, # of shares	104,500
Options Outstanding, WAEP	$25.04
Options Outstanding, Wted. Avg. Remaining Contractual Life (yrs)	'2 years 11 months 27 days
Options Outstanding, Aggregate Intrinsic Value	'
Options Exercisable, # of shares	104,500
Options Exercisable, WAEP	$25.04
Options Exercisable, Aggregate Intrinsic Value	'

11_Stock_Option_Plan_Details_N

11. Stock Option Plan (Details Narrative)	9 Months Ended
	Sep. 30, 2013
Shares Held in Employee Stock Ownership Plan [Abstract]	'
Granting of stock options to key officers	350,000
Term of the stock option, years	'10 years

12_Commitments_And_Contingenci2

12. Commitments And Contingencies (Details) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Total unfunded commitments	$126,024
Revolving Home Equity And Credit Card Lines [Member]	'
Total unfunded commitments	49,535
Construction Loans [Member]	'
Total unfunded commitments	32,534
Other Loans [Member]	'
Total unfunded commitments	42,196
Standby Letters Of Credit [Member]	'
Total unfunded commitments	$1,759

13_Regulatory_Matters_Summary_

13. Regulatory Matters (Summary Of Actual Capital Amounts And Ratios) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Summit [Member]	'	'
Total Capital (to risk weighted assets), Actual Amount	$143,494	$138,593
Tier I Capital (to risk weighted assets), Actual Amount	120,221	115,221
Tier I Capital (to average assets), Actual Amount	120,221	115,221
Total Capital (to risk weighted assets), Actual Ratio	14.50%	14.00%
Tier I Capital (to risk weighted assets), Actual Ratio	12.10%	11.60%
Tier I Capital (to average assets), Actual Ratio	8.90%	8.30%
Total Capital (to risk weighted assets), Minimum Required Regulatory Capital, Amount	79,423	79,391
Tier I Capital (to risk weighted assets), Minimum Required Regulatory Capital, Amount	39,712	39,695
Tier I Capital (to average assets), Minimum Required Regulatory Capital, Amount	54,291	55,591
Total Capital (to risk weighted assets), Minimum Required Regulatory Capital, Ratio	8.00%	8.00%
Tier I Capital (to risk weighted assets), Minimum Required Regulatory Capital, Ratio	4.00%	4.00%
Tier I Capital (to average assets), Minimum Required Regulatory Capital, Ratio	4.00%	4.00%
Total Capital (to risk weighted assets), To be Well Capitalized under Prompt Corrective Action Provisions, Amount	99,279	99,238
Tier I Capital (to risk weighted assets), To be Well Capitalized under Prompt Corrective Action Provisions, Amount	59,567	59,543
Tier I Capital (to average assets), To be Well Capitalized under Prompt Corrective Action Provisions, Amount	67,863	69,489
Total Capital (to risk weighted assets), To be Well Capitalized under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%
Tier I Capital (to risk weighted assets), To be Well Capitalized under Prompt Corrective Action Provisions, Ratio	6.00%	6.00%
Tier I Capital (to average assets), To be Well Capitalized under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%
Summit Community [Member]	'	'
Total Capital (to risk weighted assets), Actual Amount	154,155	148,803
Tier I Capital (to risk weighted assets), Actual Amount	141,682	136,231
Tier I Capital (to average assets), Actual Amount	141,682	136,231
Total Capital (to risk weighted assets), Actual Ratio	15.50%	15.00%
Tier I Capital (to risk weighted assets), Actual Ratio	14.30%	13.70%
Tier I Capital (to average assets), Actual Ratio	10.40%	9.80%
Total Capital (to risk weighted assets), Minimum Required Regulatory Capital, Amount	79,497	79,484
Tier I Capital (to risk weighted assets), Minimum Required Regulatory Capital, Amount	39,748	39,742
Tier I Capital (to average assets), Minimum Required Regulatory Capital, Amount	54,336	55,581
Total Capital (to risk weighted assets), Minimum Required Regulatory Capital, Ratio	8.00%	8.00%
Tier I Capital (to risk weighted assets), Minimum Required Regulatory Capital, Ratio	4.00%	4.00%
Tier I Capital (to average assets), Minimum Required Regulatory Capital, Ratio	4.00%	4.00%
Total Capital (to risk weighted assets), To be Well Capitalized under Prompt Corrective Action Provisions, Amount	99,371	99,354
Tier I Capital (to risk weighted assets), To be Well Capitalized under Prompt Corrective Action Provisions, Amount	59,623	59,613
Tier I Capital (to average assets), To be Well Capitalized under Prompt Corrective Action Provisions, Amount	$67,920	$69,476
Total Capital (to risk weighted assets), To be Well Capitalized under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%
Tier I Capital (to risk weighted assets), To be Well Capitalized under Prompt Corrective Action Provisions, Ratio	6.00%	6.00%
Tier I Capital (to average assets), To be Well Capitalized under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%

14_Segment_Information_Schedul

14. Segment Information (Schedule Of Segment Information) (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
Net interest income	$9,538	$9,935	$28,801	$29,924
Provision for loan losses	1,000	2,000	3,500	6,002
Net interest income after provision for loan losses	8,538	7,935	25,301	23,922
Other income	2,863	3,361	8,314	10,034
Other expenses	8,231	10,027	26,332	29,003
Income (loss) before income taxes	3,170	1,269	7,283	4,953
Income tax expense (benefit)	898	272	2,001	1,345
Net income (loss)	2,272	997	5,282	3,608
Dividends on preferred shares	194	194	582	583
Net income (loss) applicable to common shares	2,078	803	4,700	3,025
Intersegment revenue (expense)	0	0	0	0
Average assets	1,364,511	1,415,098	1,380,484	1,429,107
Community Banking [Member]	'	'	'	'
Net interest income	10,025	10,381	30,237	31,264
Provision for loan losses	1,000	2,000	3,500	6,002
Net interest income after provision for loan losses	9,025	8,381	26,737	25,262
Other income	1,758	2,312	4,857	6,681
Other expenses	7,060	8,904	22,723	25,583
Income (loss) before income taxes	3,723	1,789	8,871	6,360
Income tax expense (benefit)	1,087	430	2,534	1,772
Net income (loss)	2,636	1,359	6,337	4,588
Dividends on preferred shares	0	0	0	0
Net income (loss) applicable to common shares	2,636	1,359	6,337	4,588
Intersegment revenue (expense)	-251	-235	-734	-706
Average assets	1,409,870	1,473,356	1,431,835	1,486,808
Insurance Services [Member]	'	'	'	'
Net interest income	0	0	0	0
Provision for loan losses	0	0	0	0
Net interest income after provision for loan losses	0	0	0	0
Other income	1,105	1,049	3,457	3,371
Other expenses	1,078	1,023	3,266	2,980
Income (loss) before income taxes	27	26	191	391
Income tax expense (benefit)	12	10	79	156
Net income (loss)	15	16	112	235
Dividends on preferred shares	0	0	0	0
Net income (loss) applicable to common shares	15	16	112	235
Intersegment revenue (expense)	-21	-26	-81	-77
Average assets	6,377	6,579	6,329	6,495
Parent [Member]	'	'	'	'
Net interest income	-487	-446	-1,436	-1,340
Provision for loan losses	0	0	0	0
Net interest income after provision for loan losses	-487	-446	-1,436	-1,340
Other income	272	261	815	765
Other expenses	365	361	1,158	1,223
Income (loss) before income taxes	-580	-546	-1,779	-1,798
Income tax expense (benefit)	-201	-168	-612	-583
Net income (loss)	-379	-378	-1,167	-1,215
Dividends on preferred shares	194	194	582	583
Net income (loss) applicable to common shares	-573	-572	-1,749	-1,798
Intersegment revenue (expense)	272	261	815	783
Average assets	153,596	155,168	155,522	154,011
Intersegment Elimination [Member]	'	'	'	'
Net interest income	0	0	0	0
Provision for loan losses	0	0	0	0
Net interest income after provision for loan losses	0	0	0	0
Other income	-272	-261	-815	-783
Other expenses	-272	-261	-815	-783
Income (loss) before income taxes	0	0	0	0
Income tax expense (benefit)	0	0	0	0
Net income (loss)	0	0	0	0
Dividends on preferred shares	0	0	0	0
Net income (loss) applicable to common shares	0	0	0	0
Intersegment revenue (expense)	0	0	0	0
Average assets	($205,332)	($220,005)	($213,202)	($218,207)

Recovered_Sheet1

15. Derivative Financial Instruments (Details) (USD $)	Sep. 30, 2013
In Millions, unless otherwise specified
Cash Flow Hedge Derivative Notional Amount	$40,000
Cash Flow Hedge Derivative Assets Fair Value	0
Cash Flow Hedge Derivative Liability Fair Value	117
Cash Flow Hedge Derivative Net ineffective hedge gain losses	0
Long-term Debt [Member]	'
Cash Flow Hedge Derivative Notional Amount	40,000
Cash Flow Hedge Derivative Assets Fair Value	0
Cash Flow Hedge Derivative Liability Fair Value	117
Cash Flow Hedge Derivative Net ineffective hedge gain losses	$0