CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 4,775	$ 7,150
Interest-bearing deposits in other banks	18,058	2,530
Federal funds sold	801	0
Total cash and cash equivalents	23,634	9,680
Securities-available for sale at fair value, amortized cost of $135,114 and $129,505, respectively	141,793	130,275
Loans held for sale, net	36,377	67,153
Loans, net of allowance for loan losses of $32,590 and $28,840, respectively	622,921	606,744
Federal Home Loan Bank stock, at cost	3,798	3,887
Corporate premises and equipment, net	28,768	28,743
Other real estate owned, net of valuation allowance of $3,822 and $3,979, respectively	6,442	10,674
Accrued interest receivable	5,150	5,073
Goodwill	10,724	10,724
Other assets	29,292	31,184
Total assets	908,899	904,137
Deposits
Noninterest-bearing demand deposits	98,127	87,263
Savings and interest-bearing demand deposits	226,995	228,185
Time deposits	312,244	309,686
Total deposits	637,366	625,134
Short-term borrowings	5,253	10,618
Long-term borrowings	133,551	132,902
Trust preferred capital notes	20,620	20,620
Accrued interest payable	1,120	1,160
Other liabilities	17,717	20,926
Total liabilities	815,627	811,360
Shareholders' equity
Preferred stock ($1.00 par value, 3,000,000 shares authorized, 10,000 and 20,000 shares issued and outstanding, respectively)	10	20
Common stock ($1.00 par value, 8,000,000 shares authorized, 3,133,327 and 3,118,066 shares issued and outstanding, respectively)	3,047	3,032
Additional paid-in capital	12,814	22,112
Retained earnings	73,724	67,542
Accumulated other comprehensive income, net	3,677	71
Total shareholders' equity	93,272	92,777
Total liabilities and shareholders' equity	$ 908,899	$ 904,137