Consolidated Statements Of Income (USD $) In Thousands, except Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 10,514	$ 12,283	$ 21,402	$ 24,478
Federal funds sold		11	9	21
Interest-earning deposits with banks	54		80
Investments	45	35	84	58
Dividends on equity securities (restricted)	28	21	50	42
Total Interest and Dividend Income	10,641	12,350	21,625	24,599
INTEREST EXPENSE
Demand	44	77	89	150
Savings	138	193	324	393
Time deposits below $100,000	1,242	1,812	2,630	3,792
Time deposits above $100,000	769	1,118	1,574	2,337
FHLB Advances	223	263	444	524
Other borrowings	44	59	105	122
Trust Preferred Securities	92	112	200	219
Total Interest Expense	2,552	3,634	5,366	7,537
NET INTEREST INCOME	8,089	8,716	16,259	17,062
PROVISION FOR LOAN LOSSES	2,312	1,950	3,457	3,940
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,777	6,766	12,802	13,122
NONINTEREST INCOME
Service charges	607	703	1,159	1,313
Fees, commissions and other income	445	448	1,019	989
Insurance and investment fees	93	159	191	279
Life insurance investment income	89	103	176	209
Total Noninterest Income	1,234	1,413	2,545	2,790
NONINTEREST EXPENSES
Salaries and employee benefits	3,946	4,019	7,859	7,520
Occupancy and equipment expense	1,119	1,130	2,144	2,334
Advertising and public relations	98	116	183	194
Data processing and telecommunications	392	399	798	814
FDIC insurance premiums	421	750	1,096	1,500
Other real estate owned and repossessed vehicles, net	2,246	156	2,490	302
Other operating expenses	1,395	1,301	2,660	2,358
Total Noninterest Expenses	9,617	7,871	17,230	15,022
INCOME (LOSS) BEFORE INCOME TAXES	(2,606)	308	(1,883)	890
INCOME TAX EXPENSE (BENEFIT)	(931)	66	(757)	235
NET INCOME (LOSS)	$ (1,675)	$ 242	$ (1,126)	$ 655
Earnings (Loss) Per Share
Basic	$ (0.17)	$ 0.02	$ (0.11)	$ 0.07
Fully Diluted	$ (0.17)	$ 0.02	$ (0.11)	$ 0.07
Average Weighted Shares of Common Stock
Basic	10,010,178	10,009,042	10,010,178	10,009,039
Fully Diluted	10,010,178	10,009,042	10,010,178	10,009,039