CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
INTEREST INCOME
Interest and fees on loans	$ 10,142	$ 10,890	$ 20,049	$ 21,901
Interest and dividends on investment securities:
Taxable	568	707	1,211	1,464
Tax-exempt	4	32	9	70
Interest on federal funds sold	1	2	3	4
Interest on deposits with other banks	40	61	90	109
Total interest income	10,755	11,692	21,362	23,548
INTEREST EXPENSE
Interest on deposits	1,748	2,643	3,870	5,284
Interest on short-term borrowings	6	11	14	26
Interest on long-term debt	0	5	0	10
Total interest expense	1,754	2,659	3,884	5,320
NET INTEREST INCOME	9,001	9,033	17,478	18,228
Provision for credit losses	2,700	3,525	4,850	11,895
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	6,301	5,508	12,628	6,333
NONINTEREST INCOME
Service charges on deposit accounts	600	622	1,172	1,270
Trust and investment fee income	393	446	783	869
Gains on sales of investment securities	913	0	913	0
Insurance agency commissions	2,633	2,406	5,446	5,095
Loss on termination of cash flow hedge	(1,306)	0	(1,306)	0
Other noninterest income	729	1,103	1,444	1,917
Total noninterest income	3,962	4,577	8,452	9,151
NONINTEREST EXPENSE
Salaries and wages	4,307	4,376	8,590	8,792
Employee benefits	1,006	956	2,140	2,126
Occupancy expense	612	638	1,209	1,325
Furniture and equipment expense	243	212	493	463
Data processing	706	694	1,409	1,360
Directors' fees	55	127	176	236
Amortization of other intangible assets	74	96	148	222
Insurance agency commissions expense	458	344	919	729
FDIC insurance premium expense	367	344	733	617
Write-downs of other real estate owned	56	278	728	853
Other noninterest expenses	1,875	1,598	3,705	3,438
Total noninterest expense	9,759	9,663	20,250	20,161
INCOME (LOSS) BEFORE INCOME TAXES	504	422	830	(4,677)
Income tax expense (benefit)	143	129	247	(1,934)
NET INCOME (LOSS)	$ 361	$ 293	$ 583	$ (2,743)
Basic net income (loss) per common share (in dollars per share)	$ 0.04	$ 0.03	$ 0.07	$ (0.32)
Diluted net income (loss) per common share (in dollars per share)	$ 0.04	$ 0.03	$ 0.07	$ (0.32)
Dividends paid per common share (in dollars per share)	$ 0	$ 0	$ 0	$ 0.01