CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
INTEREST INCOME
Interest and fees on loans	$ 8,812	$ 10,142	$ 17,687	$ 20,049
Interest and dividends on investment securities:
Taxable	669	568	1,190	1,211
Tax-exempt	3	4	6	9
Interest on federal funds sold	0	1	0	3
Interest on deposits with other banks	39	40	95	90
Total interest income	9,523	10,755	18,978	21,362
INTEREST EXPENSE
Interest on deposits	1,071	1,748	2,198	3,870
Interest on short-term borrowings	5	6	10	14
Total interest expense	1,076	1,754	2,208	3,884
NET INTEREST INCOME	8,447	9,001	16,770	17,478
Provision for credit losses	950	2,700	1,925	4,850
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	7,497	6,301	14,845	12,628
NONINTEREST INCOME
Service charges on deposit accounts	602	600	1,160	1,172
Trust and investment fee income	455	393	886	783
Gains on sales of investment securities	0	913	0	913
Insurance agency commissions	2,536	2,633	5,613	5,446
Gain on sale of wholesale insurance subsidiary	114	0	114	0
Loss on termination of cash flow hedge	0	(1,306)	0	(1,306)
Other noninterest income	821	729	1,543	1,444
Total noninterest income	4,528	3,962	9,316	8,452
NONINTEREST EXPENSE
Salaries and wages	4,292	4,307	8,606	8,590
Employee benefits	1,020	1,006	2,202	2,140
Occupancy expense	577	612	1,204	1,209
Furniture and equipment expense	243	243	516	493
Data processing	739	706	1,499	1,409
Directors’ fees	132	55	244	176
Amortization of other intangible assets	60	74	134	148
Insurance agency commissions expense	394	458	906	919
FDIC insurance premium expense	377	367	835	733
Write-downs of other real estate owned	101	56	176	728
Other noninterest expenses	1,982	1,875	3,710	3,705
Total noninterest expense	9,917	9,759	20,032	20,250
INCOME BEFORE INCOME TAXES	2,108	504	4,129	830
Income tax expense	803	143	1,566	247
NET INCOME	$ 1,305	$ 361	$ 2,563	$ 583
Basic net income per common share (in dollars per share)	$ 0.13	$ 0.04	$ 0.28	$ 0.07
Diluted net income per common share (in dollars per share)	$ 0.13	$ 0.04	$ 0.28	$ 0.07
Dividends paid per common share (in dollars per share)	$ 0	$ 0	$ 0	$ 0