CONDENSED CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
ASSETS
Cash and due from banks	$ 22,791	$ 26,958	$ 31,403
Federal funds sold	3	3	16,002
Cash and cash equivalents	22,794	26,961	47,405
Interest-bearing deposits in other financial institutions	10	10	10
Securities available for sale	48,096	43,799	42,476
Federal Home Loan Bank stock	3,060	3,060	3,060
Loans:
Commercial	353,526	342,841	329,891
Mortgage	104,504	95,413	93,446
Consumer	14,465	10,923	10,621
Total Loans	472,495	449,177	433,958
Allowance for loan losses	(4,959)	(5,218)	(5,186)
Net loans	467,536	443,959	428,772
Premises and equipment	10,484	10,633	10,744
Other real estate held for sale	2,568	3,212	3,511
Deferred tax asset	7,953	9,131	9,670
Other assets	5,416	5,215	5,469
TOTAL ASSETS	567,917	545,980	551,117
Deposits:
Noninterest bearing deposits	70,063	67,652	62,306
NOW, money market, interest checking	158,588	155,465	152,286
Savings	12,694	13,829	15,783
CDs less than $100,000	133,821	135,550	142,125
CDs more than $100,000	23,816	24,355	25,390
Brokered	62,706	37,706	41,473
Total deposits	461,688	434,557	439,363
Borrowings	35,852	35,925	35,925
Other liabilities	3,332	3,050	2,884
Total liabilities	500,872	473,532	478,172
SHAREHOLDERS' EQUITY:
Preferred stock - No par value: Authorized - 500,000 shares Issued and outstanding - 4,000, 11,000 and 11,000 respectively	4,000	11,000	11,000
Common stock and additional paid in capital - No par value Authorized - 18,000,000 shares Issued and outstanding - 5,581,339, 5,559,859 and 5,559,914 respectively	53,915	53,797	55,047
Retained earnings	8,780	6,727	6,028
Accumulated other comprehensive income	350	924	870
Total shareholders' equity	67,045	72,448	72,945
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 567,917	$ 545,980	$ 551,117