CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
INTEREST INCOME
Interest and fees on loans	$ 11,011	$ 12,001
Interest and dividends on investment securities:
Taxable	757	657
Tax-exempt	38	38
Interest on federal funds sold	2	16
Interest on deposits with other banks	48	6
Total interest income	11,856	12,718
INTEREST EXPENSE
Interest on deposits	2,641	2,833
Interest on short-term borrowings	15	13
Interest on long-term debt	5	10
Total interest expense	2,661	2,856
NET INTEREST INCOME	9,195	9,862
Provision for credit losses	8,370	6,390
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	825	3,472
NONINTEREST INCOME
Service charges on deposit accounts	648	704
Trust and investment fee income	423	376
Gains on sales of investment securities	0	79
Insurance agency commissions	2,689	2,510
Other noninterest income	814	726
Total noninterest income	4,574	4,395
NONINTEREST EXPENSE
Salaries and wages	4,416	4,246
Employee benefits	1,170	1,153
Occupancy expense	687	596
Furniture and equipment expense	251	272
Data processing	666	851
Directors' fees	109	107
Amortization of other intangible assets	126	129
Insurance agency commissions expense	385	375
FDIC insurance premium expense	273	460
Other noninterest expenses	2,415	1,702
Total noninterest expense	10,498	9,891
LOSS BEFORE INCOME TAX BENEFIT	(5,099)	(2,024)
Income tax benefit	(2,063)	(941)
NET LOSS	$ (3,036)	$ (1,083)
Basic net loss per common share (in dollars per share)	$ (0.36)	$ (0.13)
Diluted net loss per common share (in dollars per share)	$ (0.36)	$ (0.13)
Dividends paid per common share (in dollars per share)	$ 0.01	$ 0.06