CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
ASSETS
Cash and due from financial institutions	$ 12,030	$ 15,166
Interest-bearing deposits in other financial institutions	10,917	30,297
Securities available for sale	250,057	198,746
Loans held for sale	1,926	1,154
Loans, net of allowance for loan losses of $8,255 and $10,234	464,295	489,740
Federal Home Loan Bank and Federal Reserve stock	6,011	5,952
Accrued interest receivable	3,260	3,196
Premises and equipment, net	13,816	13,780
Company owned life insurance	20,532	20,012
Other intangible assets	693	865
Foreclosed and repossessed assets	11,055	5,076
Prepaid FDIC insurance premium	2,549	2,999
Settlement receivable for security sales	8,342	3,371
Other assets	5,866	7,000
Total Assets	811,349	797,354
LIABILITIES AND SHAREHOLDERS' EQUITY
Non interest-bearing	147,728	127,877
Interest-bearing	454,831	453,481
Total deposits	602,559	581,358
Other borrowings	52,112	50,879
Federal Home Loan Bank advances	40,000	55,000
Subordinated debentures	17,000	17,000
Accrued interest payable	267	329
Settlement liability for security purchases	7,701	6,914
Other liabilities	5,790	6,389
Total liabilities	725,429	717,869
Commitments and contingent liabilities	0	0
Shareholders' equity
Preferred stock, without par value; 5,000,000 authorized; 28,000 shares issued and outstanding in 2012 and 2011, respectively; aggregate liquidation preference of $28,000	28,000	28,000
Common stock, $.10 par value per share; 10,000,000 shares authorized; 3,863,937 shares issued; 3,366,854 and 3,327,484 outstanding in 2012 and 2011, respectively	386	386
Additional paid-in capital	44,118	44,488
Retained earnings	17,288	13,201
Accumulated other comprehensive income	4,703	2,666
Treasury stock, at cost (2012- 497,083 shares, 2011- 536,453 shares)	(8,575)	(9,256)
Total shareholders' equity	85,920	79,485
Total Liabilities and Shareholders' Equity	$ 811,349	$ 797,354