CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
INTEREST INCOME
Interest and fees on loans	$ 10,890	$ 11,896	$ 21,901	$ 23,897
Interest and dividends on investment securities:
Taxable	707	782	1,464	1,439
Tax-exempt	32	40	70	78
Interest on federal funds sold	2	5	4	21
Interest on deposits with other banks	61	12	109	18
Total interest income	11,692	12,735	23,548	25,453
INTEREST EXPENSE
Interest on deposits	2,643	2,769	5,284	5,602
Interest on short-term borrowings	11	13	26	26
Interest on long-term debt	5	11	10	21
Total interest expense	2,659	2,793	5,320	5,649
NET INTEREST INCOME	9,033	9,942	18,228	19,804
Provision for credit losses	3,525	5,395	11,895	11,785
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	5,508	4,547	6,333	8,019
NONINTEREST INCOME
Service charges on deposit accounts	622	744	1,270	1,448
Trust and investment fee income	446	418	869	794
Gains on sales of investment securities	0	2	0	81
Insurance agency commissions	2,406	2,475	5,095	4,985
Other noninterest income	1,103	742	1,917	1,468
Total noninterest income	4,577	4,381	9,151	8,776
NONINTEREST EXPENSE
Salaries and wages	4,376	4,104	8,792	8,350
Employee benefits	956	886	2,126	2,039
Occupancy expense	638	568	1,325	1,164
Furniture and equipment expense	212	291	463	563
Data processing	694	680	1,360	1,531
Directors' fees	127	112	236	219
Amortization of other intangible assets	96	128	222	257
Insurance agency commissions expense	344	357	729	732
FDIC insurance premium expense	344	404	617	864
Other noninterest expenses	1,876	1,664	4,291	3,366
Total noninterest expense	9,663	9,194	20,161	19,085
INCOME (LOSS) BEFORE INCOME TAXES	422	(266)	(4,677)	(2,290)
Income tax expense (benefit)	129	(33)	(1,934)	(974)
NET INCOME (LOSS)	$ 293	$ (233)	$ (2,743)	$ (1,316)
Basic net income (loss) per common share (in dollars per share)	$ 0.03	$ (0.03)	$ (0.32)	$ (0.16)
Diluted net income (loss) per common share (in dollars per share)	$ 0.03	$ (0.03)	$ (0.32)	$ (0.16)
Dividends paid per common share (in dollars per share)	$ 0	$ 0.01	$ 0.01	$ 0.07