Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
ASSETS
Cash and due from banks	$ 18,770	$ 17,517
Interest-bearing deposits with banks	35,908	76,590
Federal funds sold	2	2
Total Cash and Cash Equivalents	54,680	94,109
Investment Securities available-for-sale	79,126	49,615
Loans receivable	493,023	522,363
Allowance for loan losses	(13,080)	(16,810)
Net Loans	479,943	505,553
Bank premises and equipment, net	29,976	31,190
Equity securities (restricted)	2,704	2,803
Other real estate owned	15,853	13,869
Accrued interest receivable	2,286	2,374
Life insurance investments	12,118	11,964
Goodwill and other intangibles	8	53
Deferred taxes net	5,446	4,686
Other assets	2,571	2,799
Total Assets	684,711	719,015
Deposits:
Noninterest bearing	137,745	98,432
Interest-bearing	30,138	68,665
Savings deposits	104,123	113,280
Time deposits	346,991	372,473
Total Deposits	618,997	652,850
FHLB advances	5,358	6,558
Accrued interest payable	2,287	1,880
Accrued expenses and other liabilities	1,613	1,365
Trust preferred securities	16,496	16,496
Total Liabilities	644,751	679,149
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 21,872,293 and 21,865,535 shares issued and outstanding at December 31, 2013 and 2012, respectively	43,745	43,731
Common stock warrants	2,050	2,056
Additional paid-in-capital	13,050	13,081
Retained deficit	(17,925)	(19,409)
Accumulated other comprehensive income	(960)	407
Total Stockholders' Equity	39,960	39,866
Total Liabilities and Stockholders' Equity	$ 684,711	$ 719,015