Consolidated Statements of Operations (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Interest income
Loans, including fees	$ 8,321	$ 10,033
Taxable securities	1,173	867
Tax exempt securities	241	221
Federal funds sold and other	162	137
Interest and Dividend Income, Operating, Total	9,897	11,258
Interest expense
Deposits	2,361	2,704
Junior subordinated debentures	152	154
Subordinated capital note	50	58
Federal Home Loan Bank advances	33	43
Federal funds purchased and other	1	1
Interest Expense, Total	2,597	2,960
Net interest income	7,300	8,298
Provision for loan losses		450
Net interest income after provision for loan losses	7,300	7,848
Non-interest income
Service charges on deposit accounts	468	493
Income from fiduciary activities		517
Bank card interchange fees	161	172
Other real estate owned rental income	7	112
Net gain on sales of securities	44
Income from bank owned life insurance	76	79
Other	159	274
Noninterest Income, Total	915	1,647
Non-interest expense
Salaries and employee benefits	3,741	4,139
Occupancy and equipment	892	931
Loan collection expense	539	1,035
Other real estate owned expense	662	791
FDIC insurance	540	639
State franchise tax	425	537
Professional fees	558	406
Communications	235	175
Insurance expense	149	151
Postage and delivery	110	113
Other	651	647
Noninterest Expense, Total	8,502	9,564
Loss before income taxes	(287)	(69)
Income tax expense
Net loss	(287)	(69)
Less:
Dividends on preferred stock	786	438
Accretion on Series A preferred stock		45
Earnings allocated to participating securities	(97)	(28)
Net loss attributable to common shareholders	$ (976)	$ (524)
Basic and diluted loss per common share	$ (0.08)	$ (0.04)