CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
INTEREST INCOME
Interest and fees on loans	$ 10,604	$ 12,003	$ 32,505	$ 35,900
Interest and dividends on investment securities:
Taxable	685	795	2,149	2,234
Tax-exempt	22	38	92	116
Interest on federal funds sold	3	3	7	24
Interest on deposits with other banks	79	29	188	47
Total interest income	11,393	12,868	34,941	38,321
INTEREST EXPENSE
Interest on deposits	2,647	2,720	7,931	8,322
Interest on short-term borrowings	10	15	36	41
Interest on long-term debt	6	10	16	31
Total interest expense	2,663	2,745	7,983	8,394
NET INTEREST INCOME	8,730	10,123	26,958	29,927
Provision for credit losses	6,200	3,650	18,095	15,435
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	2,530	6,473	8,863	14,492
NONINTEREST INCOME
Service charges on deposit accounts	628	697	1,898	2,145
Trust and investment fee income	410	389	1,279	1,183
Gains on sales of investment securities	278	354	278	435
Insurance agency commissions	2,427	2,312	7,522	7,297
Other noninterest income	258	771	2,175	2,239
Total noninterest income	4,001	4,523	13,152	13,299
NONINTEREST EXPENSE
Salaries and wages	4,386	4,097	13,178	12,447
Employee benefits	945	878	3,071	2,917
Occupancy expense	625	585	1,950	1,749
Furniture and equipment expense	265	262	728	825
Data processing	703	661	2,063	2,192
Directors’ fees	131	198	367	417
Goodwill and other intangible assets impairment	0	1,344	0	1,344
Amortization of other intangible assets	96	129	318	386
Insurance agency commissions expense	275	250	1,004	982
FDIC insurance premium expense	376	180	993	1,044
Write-downs of other real estate owned	224	395	1,077	563
Other noninterest expenses	1,683	1,698	5,121	4,896
Total noninterest expense	9,709	10,677	29,870	29,762
(LOSS) INCOME BEFORE INCOME TAXES	(3,178)	319	(7,855)	(1,971)
Income tax (benefit) expense	(1,357)	225	(3,291)	(749)
NET (LOSS) INCOME	$ (1,821)	$ 94	$ (4,564)	$ (1,222)
Basic net (loss) income per common share (in dollars per share)	$ (0.22)	$ 0.01	$ (0.54)	$ (0.14)
Diluted net (loss) income per common share (in dollars per share)	$ (0.22)	$ 0.01	$ (0.54)	$ (0.14)
Dividends paid per common share (in dollars per share)	$ 0	$ 0.01	$ 0.01	$ 0.08