Consolidated Statement of Operations (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest Income:
Interest and fees on loans	$ 15,290	$ 16,869	$ 46,507	$ 50,883
Securities
Taxable	1,309	1,032	3,639	2,658
Exempt from Federal Income Tax	271	268	844	849
Short term investments	54	52	138	155
Total Interest Income	16,924	18,221	51,128	54,545
Interest Expense:
Deposits	2,691	3,871	8,685	12,347
FHLB advances and other borrowing	193	871	701	2,990
Subordinated Debt	259	383	928	1,120
Total Interest Expense	3,143	5,125	10,314	16,457
Net Interest Income	13,781	13,096	40,814	38,088
Provision for loan losses	3,459	3,066	10,726	8,623
Net Interest Income after provision for loan losses	10,322	10,030	30,088	29,465
Non-interest Income:
Service charges on deposit accounts	1,123	1,144	3,397	3,421
Gain on sale of mortgage loans	1,040	2,054	2,021	3,150
Mortgage servicing, net of amortization	17	(98)	121	91
Gain/(loss) on trading account securities	0	(10)	8	13
Gain/(loss) on securities	9	1	(1)	10
Other	404	192	1,103	1,227
Total Non-interest Income	2,593	3,283	6,649	7,912
Non-interest Expense:
Salaries and employee benefits	5,480	5,186	15,920	15,895
Occupancy and equipment	1,346	1,361	4,054	4,220
FDIC insurance premium	162	525	1,204	1,555
Amortization of intangibles	168	191	538	611
Outside professional services	280	293	860	802
Advertising and promotions	316	491	961	1,119
Other real estate owned costs	754	771	2,132	2,081
Other	2,239	2,123	6,648	6,804
Total Non-interest Expense	10,745	10,941	32,317	33,087
Income before federal income taxes	2,170	2,372	4,420	4,290
Federal income taxes	540	1,048	947	1,370
NET INCOME	1,630	1,324	3,473	2,920
Preferred stock dividends and accretion of discount on preferred stock	420	420	1,260	1,260
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	1,210	904	2,213	1,660
COMPREHENSIVE INCOME
Net Income	1,630	1,324	3,473	2,920
Change in unrealized gain on securities, net of tax and reclassification effects	683	469	2,693	1,186
TOTAL COMPREHENSIVE INCOME	$ 2,313	$ 1,793	$ 6,166	$ 4,106
Basic Earnings Per Share (in Dollars per share)	$ 0.15	$ 0.12	$ 0.28	$ 0.22
Diluted Earnings Per Share (in Dollars per share)	$ 0.15	$ 0.12	$ 0.28	$ 0.22
Dividends Per Share (in Dollars per share)	$ 0.01	$ 0.01	$ 0.03	$ 0.07