CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
INTEREST INCOME
Interest and fees on loans	$ 8,788	$ 9,767	$ 26,475	$ 29,816
Interest and dividends on investment securities:
Taxable	850	357	2,040	1,568
Tax-exempt	3	5	9	14
Interest on federal funds sold	1	0	1	3
Interest on deposits with other banks	44	53	139	143
Total interest income	9,686	10,182	28,664	31,544
INTEREST EXPENSE
Interest on deposits	1,046	1,348	3,244	5,218
Interest on short-term borrowings	4	6	14	20
Total interest expense	1,050	1,354	3,258	5,238
NET INTEREST INCOME	8,636	8,828	25,406	26,306
Provision for credit losses	775	22,460	2,700	27,310
NET INTEREST INCOME (EXPENSE) AFTER PROVISION FOR CREDIT LOSSES	7,861	(13,632)	22,706	(1,004)
NONINTEREST INCOME
Service charges on deposit accounts	618	600	1,778	1,772
Trust and investment fee income	496	401	1,382	1,184
Gains on sales of investment securities	0	0	0	913
Insurance agency commissions	2,176	2,724	7,789	8,170
Loss on termination of cash flow hedge	0	0	0	(1,306)
Other noninterest income	704	1,067	2,361	2,511
Total noninterest income	3,994	4,792	13,310	13,244
NONINTEREST EXPENSE
Salaries and wages	4,689	4,420	13,295	13,010
Employee benefits	934	971	3,136	3,111
Occupancy expense	565	566	1,769	1,775
Furniture and equipment expense	225	275	741	768
Data processing	741	718	2,240	2,127
Directors' fees	131	86	375	262
Amortization of other intangible assets	34	74	168	222
Insurance agency commissions expense	0	409	906	1,328
FDIC insurance premium expense	399	467	1,234	1,200
Write-downs of other real estate owned	290	219	466	947
Other noninterest expenses	1,811	1,763	5,521	5,468
Total noninterest expense	9,819	9,968	29,851	30,218
INCOME (LOSS) BEFORE INCOME TAXES (BENEFIT)	2,036	(18,808)	6,165	(17,978)
Income tax expense (benefit)	774	(7,416)	2,340	(7,169)
NET INCOME (LOSS)	$ 1,262	$ (11,392)	$ 3,825	$ (10,809)
Basic net income per common share (in dollars per share)	$ 0.10	$ (1.35)	$ 0.37	$ (1.28)
Diluted net income per common share (in dollars per share)	$ 0.10	$ (1.35)	$ 0.37	$ (1.28)
Dividends paid per common share (in dollars per share)	$ 0	$ 0	$ 0	$ 0