CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $) In Thousands, except Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest Income
Loans, Including Fees	$ 11,135	$ 13,039	$ 22,703	$ 26,471
Federal Funds Sold	38	14	72	40
Deposits with Other Banks	8	14	26	17
Investment Securities
U.S. Government Agencies	1,851	1,995	3,694	3,671
State, County and Municipal	29	23	58	48
Corporate Obligations and Asset-Backed Securities	22	34	45	90
Dividends on Other Investments	12	4	24	8
Interest Income	13,095	15,123	26,622	30,345
Interest Expense
Deposits	3,450	4,430	7,104	8,870
Federal Funds Purchased	171	181	338	367
Borrowed Money	893	916	1,781	1,834
Interest Expense	4,514	5,527	9,223	11,071
Net Interest Income	8,581	9,596	17,399	19,274
Provision for Loan Losses	2,250	3,400	3,750	6,650
Net Interest Income After Provision for Loan Losses	6,331	6,196	13,649	12,624
Noninterest Income
Service Charges on Deposits	800	936	1,556	1,843
Other Service Charges, Commissions and Fees	330	288	645	558
Mortgage Fee Income	42	79	104	140
Securities Gains	736	97	1,132	878
Other	763	619	1,338	1,140
Noninterest Income	2,671	2,019	4,775	4,559
Noninterest Expenses
Salaries and Employee Benefits	3,570	3,510	7,139	7,064
Occupancy and Equipment	1,028	1,098	2,044	2,206
Other	3,620	3,088	6,974	6,739
Noninterest Expenses	8,218	7,696	16,157	16,009
Income Before Income Taxes	784	519	2,267	1,174
Income Taxes (Benefits)	245	(2)	672	(31)
Net Income	539	521	1,595	1,205
Preferred Stock Dividends	350	350	700	700
Net Income Available to Common Stockholders	$ 189	$ 171	$ 895	$ 505
Net Income Per Share of Common Stock
Basic	$ 0.02	$ 0.02	$ 0.11	$ 0.06
Diluted	$ 0.02	$ 0.02	$ 0.11	$ 0.06
Cash Dividends Declared Per Share of Common Stock	$ 0.00	$ 0.00	$ 0.00	$ 0.00
Weighted Average Basic Shares Outstanding	8,441,712	8,443,884	8,440,466	7,849,973
Weighted Average Diluted Shares Outstanding	8,441,712	8,443,884	8,440,466	7,849,973