Consolidated Statements of Earnings (unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest income:
Loans, including fees	$ 9,736	$ 9,929	$ 19,212	$ 19,728
Securities and other investments:
Taxable	1,264	891	2,131	1,891
Nontaxable	852	998	1,782	2,023
Federal funds sold	2	1	5	1
Time and interest bearing deposits in other banks	46	76	121	156
Other investments	35	34	72	69
Total interest income	11,935	11,929	23,323	23,868
Interest expense:
Deposits	964	1,424	1,972	2,991
Securities sold under agreements to repurchase	198	238	395	464
Federal funds purchased	0	0	0	2
Other borrowed money	0	0	0	3
Junior subordinated debentures	242	243	484	484
Total interest expense	1,404	1,905	2,851	3,944
Net interest income	10,531	10,024	20,472	19,924
Provision for loan losses	900	1,500	2,500	2,650
Net interest income after provision for loan losses	9,631	8,524	17,972	17,274
Non-interest income:
Service charges on deposits	1,548	2,610	3,285	5,058
Gain on securities, net	58	0	99	0
ATM and debit card income	955	844	1,833	1,630
Other charges and fees	652	570	1,027	977
Total non-interest income	3,213	4,024	6,244	7,665
Non-interest expenses:
Salaries and employee benefits	5,039	4,938	10,202	10,188
Occupancy expense	2,191	2,284	4,244	4,532
FDIC insurance	212	337	523	652
Other	3,791	3,610	6,991	6,531
Total non-interest expenses	11,233	11,169	21,960	21,903
Income before income taxes	1,611	1,379	2,256	3,036
Income tax expense	(258)	(129)	(161)	(351)
Net earnings	1,353	1,250	2,095	2,685
Dividends on preferred stock and accretion of warrants	299	299	599	598
Net earnings available to common shareholders	$ 1,054	$ 951	$ 1,496	$ 2,087
Earnings per share:
Basic	$ 0.10	$ 0.10	$ 0.15	$ 0.22
Diluted	$ 0.10	$ 0.10	$ 0.15	$ 0.22