Consolidated Balance Sheets (USD $)	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks	$ 9,097,000	$ 13,221,000
Interest bearing deposits with banks	118,907,000	217,734,000
Cash and cash equivalents	128,004,000	230,955,000
Investment securities available for sale, at fair value	189,259,000	174,323,000
Investment securities held to maturity, at amortized cost (fair value of $69 and $144, respectively)	67,000	140,000
Restricted stock, at cost	3,816,000	5,321,000
Loans held for sale	82,000	925,000
Loans receivable (net of allowance for loan losses of $9,542 and $12,050, respectively)	608,359,000	577,442,000
Premises and equipment, net	21,976,000	23,507,000
Other real estate owned, net	8,912,000	6,479,000
Accrued interest receivable	3,128,000	3,003,000
Bank owned life insurance	10,490,000	10,417,000
Other assets	14,565,000	14,841,000
Total Assets	988,658,000	1,047,353,000
Liabilities
Deposits: Demand - non-interest bearing	145,407,000	226,287,000
Deposits: Demand - interest bearing	180,440,000	109,242,000
Deposits: Money market and savings	440,120,000	400,141,000
Deposits: Time deposits	123,234,000	216,941,000
Time over $100,000	78,300,000	136,800,000
Total Deposits	889,201,000	952,611,000
Accrued interest payable	301,000	1,049,000
Other liabilities	6,778,000	6,366,000
Subordinated debt	22,476,000	22,476,000
Total Liabilities	918,756,000	982,502,000
Shareholders' Equity
Preferred stock, par value $0.01 per share: 10,000,000 shares authorized; no shares issued	0	0
Common stock, par value $0.01 per share: 50,000,000 shares authorized; shares issued 26,501,742	265,000	265,000
Additional paid in capital	106,753,000	106,383,000
Accumulated deficit	(34,228,000)	(37,842,000)
Treasury stock at cost (416,303 shares)	(3,099,000)	(3,099,000)
Stock held by deferred compensation plan	(809,000)	(809,000)
Accumulated other comprehensive income (loss)	1,020,000	(47,000)
Total Shareholders' Equity	69,902,000	64,851,000
Total Liabilities and Shareholders' Equity	$ 988,658,000	$ 1,047,353,000