CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
OPERATING ACTIVITIES:
Net Income	$ 3,083	$ 2,141
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	741	718
Amortization of premium and accretion of discount on securities, net	582	690
Amortization of restricted stock	111	58
Provision for loan losses	1,500	2,000
Provision for deferred taxes	145	33
Stock-based compensation	85	107
Gains on security sales, available for sale	(390)	(196)
Loans Originated for Sale	(16,829)	(9,726)
Proceeds from sales of loans	16,644	8,744
Gains on loans sold	390	196
Loss/(gains) on sale of other real estate owned	57	(47)
Increase in cash surrender value of life insurance, net	(198)	(227)
Decrease/(increase) in accrued interest receivable	236	(339)
Decrease/(increase) in other assets	804	(2,006)
Increase in accrued expenses and other liabilities	505	487
NET CASH PROVIDED BY OPERATING ACTIVITIES	6,888	2,251
INVESTING ACTIVITIES:
Proceeds from maturities of investment securities held to maturity	13,994	6,536
Proceeds from maturities of securities available for sale	23,181	15,179
Proceeds from calls of securities available for sale	8,800	24,995
Proceeds from sales of securities available for sale	17,989	27,235
Purchase of investment securities held to maturity	(2,020)	(18,381)
Purchase of securities available for sale, including FHLB and FRB stock	(13,800)	(56,021)
Net increase in loans	(38,316)	(19,889)
Proceeds from sales of other real estate owned	1,218	1,238
Purchases of premises and equipment	(282)	(284)
Purchase of life insurance	(2,996)
NET CASH PROVIDED BY/(USED IN) INVESTING ACTIVITIES	7,768	(19,392)
FINANCING ACTIVITIES:
Net (decrease)/increase in deposits	(32,249)	12,104
Net increase in overnight borrowings	22,900
Repayments of Federal Home Loan Bank advances	(114)	(110)
Redemption of preferred stock	(14,341)	(7,172)
Cash dividends paid on preferred stock	(112)	(285)
Cash dividends paid on common stock	(443)	(441)
Sales of shares (DRIP Program)	40	40
NET CASH (USED IN)/PROVIDED BY FINANCING ACTIVITIES	(24,319)	4,136
Net decrease in cash and cash equivalents	(9,663)	(13,005)
Cash and cash equivalents at beginning of period	43,053	62,687
Cash and cash equivalents at end of period	33,390	49,682
Cash paid during the period for:
Interest	1,262	2,067
Income taxes	1,000	5
Transfer of loans to other real estate owned, net	504	8,444
Other real estate owned internally financed loan	$ 2,975