CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
INTEREST INCOME
Interest and fees on loans	$ 8,875	$ 9,907
Interest and dividends on investment securities:
Taxable	521	643
Tax-exempt	3	5
Interest on federal funds sold	0	2
Interest on deposits with other banks	56	50
Total interest income	9,455	10,607
INTEREST EXPENSE
Interest on deposits	1,127	2,122
Interest on short-term borrowings	5	8
Total interest expense	1,132	2,130
NET INTEREST INCOME	8,323	8,477
Provision for credit losses	975	2,150
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	7,348	6,327
NONINTEREST INCOME
Service charges on deposit accounts	558	572
Trust and investment fee income	431	390
Gains on sales of investment securities	0	0
Insurance agency commissions	3,077	2,813
Other noninterest income	722	715
Total noninterest income	4,788	4,490
NONINTEREST EXPENSE
Salaries and wages	4,314	4,283
Employee benefits	1,182	1,134
Occupancy expense	627	597
Furniture and equipment expense	273	250
Data processing	760	703
Directors’ fees	112	121
Amortization of other intangible assets	74	74
Insurance agency commissions expense	512	461
FDIC insurance premium expense	458	366
Write-downs of other real estate owned	75	672
Other noninterest expenses	1,728	1,830
Total noninterest expense	10,115	10,491
INCOME BEFORE INCOME TAXES	2,021	326
Income tax expense	763	104
NET INCOME	$ 1,258	$ 222
Basic net income per common share (in dollars per share)	$ 0.15	$ 0.03
Diluted net income per common share (in dollars per share)	$ 0.15	$ 0.03
Dividends paid per common share (in dollars per share)	$ 0	$ 0