CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 21,523	$ 14,822
Interest-bearing deposits with banks	6,855	442
Total cash and cash equivalents	28,378	15,264
Federal funds sold	19,290	31,270
Certificates of deposit with other banks	1,538	1,778
Securities available-for-sale	127,343	124,447
Securities held-to-maturity, estimated fair value of $48,436 in 2011 and $32,541 in 2010	48,341	33,095
Securities, other	1,937	1,933
Total securities	177,621	159,475
Loans, less allowance for loan losses of $4,128 in 2011 and $4,477 in 2010	235,425	243,287
Interest receivable	3,395	2,902
Premises and equipment	22,714	22,922
Other real estate	23,949	20,272
Intangible assets	3,874	3,874
Cash surrender value of life insurance	6,829	6,650
Customers' liability acceptances	1,548	1,142
Other assets	2,791	3,646
Total Assets	527,352	512,482
Liabilities:
Noninterest-bearing deposits	82,880	74,022
Time deposits of $100,000 or more	71,133	80,885
Other interest-bearing deposits	267,003	253,836
Total deposits	421,016	408,743
Interest payable	222	419
Acceptances outstanding	1,548	1,142
Borrowed funds	25,252	26,970
Other liabilities	4,767	3,295
Total Liabilities	452,805	440,569
Shareholders' equity:
Preferred stock - $1,000 par value, 25,000 shares authorized, 17,910 shares issued	17,910	17,742
Common stock - $5 par value, 10,000,000 shares authorized, 2,890,811 shares issued	14,454	14,454
Surplus	38,520	40,733
Retained earnings (deficit)	956	(2,214)
Accumulated other comprehensive income	2,745	1,236
Treasury stock, at par, 7,502 shares in 2011 and 7,602 shares in 2010	(38)	(38)
Total Shareholders' Equity	74,547	71,913
Total Liabilities and Shareholders' Equity	$ 527,352	$ 512,482