Consolidated Balance Sheets (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010	Jun. 30, 2010
ASSETS
Cash and due from banks	$ 12,915	$ 17,637	$ 18,016
Federal funds sold and interest-bearing deposits	33,367	26,289	37,478
Cash and cash equivalents	46,282	43,926	55,494
Securities:
Securities available for sale, at fair value	101,872	107,131	121,628
Securities held to maturity (fair value of $13,855, $21,351, and $22,563, respectively)	13,316	21,111	22,034
Total securities	115,188	128,242	143,662
Loans:
SBA loans held for sale	13,753	10,397	22,093
SBA loans held to maturity	71,429	75,741	73,298
SBA 504 loans	55,810	64,276	65,343
Commercial loans	287,785	281,205	285,173
Residential mortgage loans	134,782	128,400	132,993
Consumer loans	51,546	55,917	58,280
Total loans	615,105	615,936	637,180
Allowance for loan losses	(16,018)	(14,364)	(13,946)
Net loans	599,087	601,572	623,234
Premises and equipment, net	10,650	10,967	11,348
Bank owned life insurance (BOLI)	8,959	8,812	8,653
Deferred tax assets	6,756	7,550	7,485
Federal Home Loan Bank stock, at cost	4,088	4,206	4,656
Accrued interest receivable	3,692	3,791	3,972
Prepaid FDIC insurance	2,720	3,266	3,836
Other real estate owned (OREO)	2,722	2,346	3,728
Goodwill and other intangibles	1,537	1,544	1,552
Other assets	4,482	2,188	2,115
Total Assets	806,163	818,410	869,735
Liabilities:
Noninterest-bearing demand deposits	94,547	91,272	87,908
Interest-bearing demand deposits	93,730	105,530	98,316
Savings deposits	285,651	277,394	291,355
Time deposits, under $100,000	106,880	119,478	143,617
Time deposits, $100,000 and over	60,359	61,114	72,036
Total deposits	641,167	654,788	693,232
Borrowed funds	75,000	75,000	87,672
Subordinated debentures	15,465	15,465	15,465
Accrued interest payable	570	556	661
Accrued expenses and other liabilities	1,754	2,516	3,072
Total liabilities	733,956	748,325	800,102
Commitments and contingencies
Shareholders' equity:
Cumulative perpetual preferred stock	19,278	19,019	18,770
Common stock	53,590	55,884	55,592
Accumulated deficit	(1,757)	(772)	(815)
Treasury stock at cost	0	(4,169)	(4,169)
Accumulated other comprehensive income	1,096	123	255
Total Shareholders' Equity	72,207	70,085	69,633
Total Liabilities and Shareholders' Equity	$ 806,163	$ 818,410	$ 869,735
Preferred shares	21	21	21
Issued common shares	7,412	7,636	7,579
Outstanding common shares	7,412	7,211	7,154