CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
INTEREST INCOME
Interest and fees on loans	$ 12,003	$ 13,083	$ 35,900	$ 39,004
Interest and dividends on investment securities:
Taxable	795	677	2,234	2,405
Tax-exempt	38	50	116	165
Interest on federal funds sold	3	21	24	47
Interest on deposits with other banks	29	6	47	11
Total interest income	12,868	13,837	38,321	41,632
INTEREST EXPENSE
Interest on deposits	2,720	3,117	8,322	9,744
Interest on short-term borrowings	15	17	41	68
Interest on long-term debt	10	16	31	47
Total interest expense	2,745	3,150	8,394	9,859
NET INTEREST INCOME	10,123	10,687	29,927	31,773
Provision for credit losses	3,650	4,193	15,435	16,727
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	6,473	6,494	14,492	15,046
NONINTEREST INCOME
Service charges on deposit accounts	697	841	2,145	2,458
Trust and investment fee income	389	357	1,183	1,145
Gains on sales of investment securities	354	0	435	0
Insurance agency commissions	2,312	2,513	7,297	7,997
Other noninterest income	771	932	2,239	2,493
Total noninterest income	4,523	4,643	13,299	14,093
NONINTEREST EXPENSE
Salaries and wages	4,097	4,404	12,447	13,257
Employee benefits	878	897	2,917	2,936
Occupancy expense	585	547	1,749	1,766
Furniture and equipment expense	262	325	825	938
Data processing	661	696	2,192	1,987
Directors' fees	198	118	417	344
Goodwill and other intangible assets impairment	1,344	3,051	1,344	3,051
Amortization of other intangible assets	129	128	386	386
Insurance agency commissions expense	250	338	982	1,230
FDIC insurance premium expense	180	448	1,044	1,389
Other noninterest expenses	2,093	1,677	5,459	5,354
Total noninterest expense	10,677	12,629	29,762	32,638
INCOME (LOSS) BEFORE INCOME TAXES	319	(1,492)	(1,971)	(3,499)
Income tax expense (benefit)	225	(92)	(749)	(982)
NET INCOME (LOSS)	$ 94	$ (1,400)	$ (1,222)	$ (2,517)
Basic net income (loss) per common share (in dollars per share)	$ 0.01	$ (0.17)	$ (0.14)	$ (0.30)
Diluted net income (loss) per common share (in dollars per share)	$ 0.01	$ (0.17)	$ (0.14)	$ (0.30)
Dividends paid per common share (in dollars per share)	$ 0.01	$ 0.06	$ 0.08	$ 0.18