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	Year Ended December 31
	2011	2010	2009	2008	2007
	(Dollars In Thousand Except Per Share Data)
Operations Data:
Net Interest Income	$ 13,449	$ 12,880	$ 12,102	$ 11,922	$ 11,866
Provision for Credit Losses	663	1,050	2,443	1,146	50
Other Income	2,090	1,899	2,365	2,051	2,157
Other Expense	11,115	11,179	10,995	13,102	10,433
Net Income	2,993	2,065	1,262	404	2,782
Share Data:
Basic Net Income Per Share	$1.10	$0.76	$0.46	$0.14	$0.93
Diluted Net Income Per Share	1.10	0.76	0.46	0.14	0.93
Cash Dividends Declared Per Common Share	0.40	0.40	0.40	0.45	0.45
Weighted Average Common Shares Outstanding:
Basic	2,710,455	2,690,218	2,734,524	2,981,124	2,988,796
Diluted	2,710,455	2,690.218	2,734,524	2,981,124	2,988,796
Financial Condition Data:
Total Assets	$365,260	$347,067	$353,397	$332,502	$307,274
Loans Receivable, Net	232,734	229,851	235,853	235,133	199,753
Total Deposits	311,945	294,445	294,358	269,768	252,917
Long Term Borrowings	20,000	20,000	27,034	27,072	17,107
Junior Subordinated Debentures	-	-	5,155	5,155	5,155
Total Stockholders’ Equity	31,211	26,333	25,149	27,908	29,736
Performance Ratios:
Return on Average Assets	0.84%	0.58%	0.36%	0.13%	0.89%
Return on Average Equity	10.11	.75	4.87	1.49	9.60
Net Interest Margin (1)	4.39	4.05	4.29	4.31	4.39
Dividend Payout Ratio	36.22	52.11	85.59	332.98	48.33
Capital Ratios:
Average Equity to Average Assets	8.26%	7.45%	7.37%	8.99%	9.28%
Leverage Ratio	8.20	7.64	8.86	10.50	11.34
Total Risk-Based Capital Ratio	14.35	12.58	14.40	14.93	17.50
Asset Quality Ratios:
Allowance for Credit Losses to Gross Loans	1.66%	1.45%	1.18%	0.85%	0.80%
Non-accrual and Past Due Loans to Gross Loans	2.15%	2.99%	1.26%	0.38%	0.43%
Allowance for Credit Losses to Non-Accrual and Past Due Loans	77.38%	48.69%	117.61%	224.42%	188.27%
Net Loan Charge-offs (Recoveries) to Average Loans	0.06%	0.53%	0.37%	0.33%	0.14%
(1) Presented on a tax-equivalent basis