CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and noninterest-bearing deposits with banks	$ 8,788	$ 8,979
Interest-bearing deposits with banks	50,501	50,772
Total cash and cash equivalents	59,289	59,751
Securities available for sale	86,041	85,839
Securities held to maturity (estimated fair value: 2011 - $21,013; 2010 - $21,198)	21,134	22,178
Federal Home Loan Bank stock	6,281	6,281
Total loans	614,901	641,322
Less: Allowance for loan losses	(6,511)	(9,386)
Net loans	608,390	631,936
Premises and equipment, net	9,317	9,738
Other real estate owned	4,022	4,403
Accrued income receivable	2,508	2,704
Goodwill	1,267	1,267
Bank owned life insurance	20,306	19,761
Prepaid FDIC insurance	1,838	2,576
Other assets	3,723	5,080
Total assets	824,116	851,514
LIABILITIES
Noninterest-bearing deposits	126,122	91,949
Interest-bearing deposits	580,380	602,832
Total deposits	706,502	694,781
Securities sold under agreements to repurchase	1,012	38,107
Other borrowed funds	21,466	27,743
Subordinated debentures	13,500	13,500
Accrued liabilities	10,550	9,255
Total liabilities	753,030	783,386
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 4,659,795 shares issued)	4,660	4,660
Additional paid-in capital	33,003	33,003
Retained earnings	47,914	45,960
Accumulated other comprehensive income	1,221	217
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders' equity	71,086	68,128
Total liabilities and shareholders' equity	$ 824,116	$ 851,514