CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Interest income
Loans, including fees	$ 9,760	$ 12,337
Securities available for sale
Taxable	1,582	1,791
Tax-exempt	43	56
Federal funds sold and other	30	32
Total interest income	11,415	14,216
Interest expense
Deposits	1,091	1,535
Repurchase agreements and other	12	26
FHLB advances and other borrowings	172	237
Total interest expense	1,275	1,798
Net interest income	10,140	12,418
Provision for loan losses	570	950
Net interest income after provision for loan losses	9,570	11,468
Non-interest income
Service charges on deposit accounts	789	830
Electronic banking income	470	488
Secondary market mortgage income	94	25
Gain on disposition of securities	148	0
Other	144	174
Total non-interest income	1,645	1,517
Non-interest expenses
Salaries and employee benefits	3,592	3,963
Occupancy and equipment expenses	1,079	1,181
Outside data processing	820	872
Professional fees	156	284
Taxes, other than payroll, property and income	212	155
Write-downs, expenses, sales of other real estate owned, net	324	214
Amortization of intangibles	152	173
FDIC insurance	212	242
Loan collection expenses	137	669
Other expenses	703	841
Total non-interest expenses	7,387	8,594
Income before income taxes	3,828	4,391
Provision for income taxes	1,324	1,561
Net income	2,504	2,830
Preferred stock dividends and accretion	(165)	(305)
Net income available to common stockholders	$ 2,339	$ 2,525
Net income per share:
Basic (in dollars per share)	$ 0.29	$ 0.32
Diluted (in dollars per share)	$ 0.28	$ 0.31