CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME
Interest and fees on loans	$ 11,896	$ 13,047	$ 23,897	$ 25,921
Interest and dividends on investment securities:
Taxable	782	846	1,439	1,728
Tax-exempt	40	56	78	115
Interest on federal funds sold	5	14	21	26
Interest on deposits with other banks	12	4	18	5
Total interest income	12,735	13,967	25,453	27,795
INTEREST EXPENSE
Interest on deposits	2,769	3,242	5,602	6,627
Interest on short-term borrowings	13	19	26	51
Interest on long-term debt	11	15	21	31
Total interest expense	2,793	3,276	5,649	6,709
NET INTEREST INCOME	9,942	10,691	19,804	21,086
Provision for credit losses	5,395	4,917	11,785	12,534
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	4,547	5,774	8,019	8,552
NONINTEREST INCOME
Service charges on deposit accounts	744	831	1,448	1,617
Trust and investment fee income	418	372	794	788
Gains on sales of investment securities	2	0	81	0
Insurance agency commissions	2,475	2,595	4,985	5,484
Other noninterest income	742	770	1,468	1,561
Total noninterest income	4,381	4,568	8,776	9,450
NONINTEREST EXPENSE
Salaries and wages	4,104	4,363	8,350	8,853
Employee benefits	886	758	2,039	2,039
Occupancy expense	568	597	1,164	1,219
Furniture and equipment expense	291	313	563	613
Data processing	680	660	1,531	1,291
Directors' fees	112	105	219	226
Amortization of other intangible assets	128	129	257	258
Insurance agency commissions expense	357	464	732	892
FDIC insurance premium expense	404	460	864	941
Other noninterest expenses	1,664	1,839	3,366	3,677
Total noninterest expense	9,194	9,688	19,085	20,009
(LOSS) INCOME BEFORE INCOME TAXES	(266)	654	(2,290)	(2,007)
Income tax (benefit) expense	(33)	209	(974)	(890)
Net (loss) income	$ (233)	$ 445	$ (1,316)	$ (1,117)
Basic net (loss) income per common share (in dollars per share)	$ (0.03)	$ 0.05	$ (0.16)	$ (0.13)
Diluted net (loss) income per common share (in dollars per share)	$ (0.03)	$ 0.05	$ (0.16)	$ (0.13)
Dividends paid per common share (in dollars per share)	$ 0.01	$ 0.06	$ 0.07	$ 0.12