CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
INTEREST INCOME
Loans and Loan Fees	$ 48,083	$ 61,844	$ 69,291
United States Treasury Securities	0	96	284
U.S. Government Agency Obligations	241	337	769
Obligations of States & Political Subdivisions	6,085	6,864	7,807
Collateralized Mortgage Obligations	4,696	5,839	7,691
Mortgage-Backed Securities	418	30	37
Corporate Bonds	204	0	0
Federal Funds Sold & Interest Due from Banks	599	232	28
Dividends	121	191	369
Total Interest Income	60,447	75,433	86,276
INTEREST EXPENSE
Saving, N.O.W. & Money Market Deposits	1,192	1,960	3,340
Time Certificates of $100,000 or More	1,567	2,029	2,915
Other Time Deposits	960	1,281	1,789
Interest on Borrowings	0	655	1,670
Total Interest Expense	3,719	5,925	9,714
Net Interest Income	56,728	69,508	76,562
Provision for Loan Losses	8,500	24,888	32,086
Net Interest Income After Provision for Loan Losses	48,228	44,620	44,476
NON-INTEREST INCOME
Service Charges on Deposit Accounts	3,932	3,898	4,806
Other Service Charges, Commissions & Fees	3,515	3,467	3,565
Fiduciary Fees	945	853	976
Gain on Sale of OREO	0	0	310
Net (Loss) Gain on Sale of Securities Available for Sale	(217)	1,648	375
Other-Than-Temporary Impairment on Securities	0	(1,052)	0
Net Gain on Sale of Portfolio Loans	755	0	0
Net Gain on Sale of Mortgage Loans Originated for Sale	1,182	405	510
Other Operating Income	769	902	711
Total Non-Interest Income	10,881	10,121	11,253
OPERATING EXPENSES
Employee Compensation and benefits	35,879	30,914	28,518
Occupancy Expense	5,809	5,794	5,399
Equipment Expense	2,024	1,940	2,050
Outside Services	4,423	5,086	2,587
FDIC Assessments	1,573	3,069	2,751
Legal Expense	730	1,107	783
Accounting and Audit Fees	1,057	2,312	366
Problem Assets Expense	2,254	532	229
OREO Expense	842	351	882
Prepayment Fee on Borrowing	0	1,028	0
Other Operating Expenses	6,980	6,909	7,213
Total Operating Expenses	61,571	59,042	50,778
(Loss) Income Before Income Tax Benefit	(2,462)	(4,301)	4,951
Income Tax Benefit	(714)	(4,223)	(1,305)
NET (LOSS) INCOME	$ (1,748)	$ (78)	$ 6,256
(LOSS) EARNINGS PER COMMON SHARE - BASIC (in dollars per share)	$ (0.17)	$ (0.01)	$ 0.65
(LOSS) EARNINGS PER COMMON SHARE - DILUTED (in dollars per share)	$ (0.17)	$ (0.01)	$ 0.65
WEIGHTED AVERAGE NUMBER OF COMMON SHARES - BASIC (in shares)	10,248,751	9,720,827	9,658,534
WEIGHTED AVERAGE NUMBER OF COMMON SHARES - DILUTED (in shares)	10,248,751	9,720,827	9,662,981