CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Interest Income
Loans, Including Fees	$ 10,538	$ 10,920	$ 31,391	$ 33,623
Federal Funds Sold	16	19	72	91
Deposits with Other Banks	4	11	34	37
Investment Securities
U. S. Government Agencies	1,116	1,703	4,125	5,397
State, County and Municipal	42	44	173	102
Corporate Obligations and Asset-Backed Securities	14	23	62	68
Dividends on Other Investments	18	12	55	36
Interest Income	11,748	12,732	35,912	39,354
Interest Expense
Deposits	2,110	3,124	6,833	10,228
Federal Funds Purchased	0	0	0	338
Borrowed Money	416	865	1,882	2,646
Interest Expense	2,526	3,989	8,715	13,212
Net Interest Income	9,222	8,743	27,197	26,142
Provision for Loan Losses	1,742	2,250	5,627	6,000
Net Interest Income After Provision for Loan Losses	7,480	6,493	21,570	20,142
Noninterest Income
Service Charges on Deposits	917	835	2,527	2,391
Other Service Charges, Commissions and Fees	372	296	1,119	941
Mortgage Fee Income	103	57	296	161
Securities Gains	1,187	813	2,067	1,945
Other	324	422	1,082	1,760
Noninterest Income	2,903	2,423	7,091	7,198
Noninterest Expenses
Salaries and Employee Benefits	3,833	3,639	11,486	10,778
Occupancy and Equipment	1,000	1,040	2,901	3,084
Other	4,414	3,411	11,248	10,385
Noninterest Expense	9,247	8,090	25,635	24,247
Income Before Income Taxes	1,136	826	3,026	3,093
Income Taxes	364	268	953	940
Net Income	772	558	2,073	2,153
Preferred Stock Dividends	361	350	1,070	1,050
Net Income Available to Common Stockholders	$ 411	$ 208	$ 1,003	$ 1,103
Net Income Per Share of Common Stock
Basic (in dollars per share)	$ 0.05	$ 0.02	$ 0.12	$ 0.13
Diluted (in dollars per share)	$ 0.05	$ 0.02	$ 0.12	$ 0.13
Cash Dividends Declared Per Share of Common Stock (in dollars per share)	$ 0.00	$ 0.00	$ 0.00	$ 0.00
Weighted Average Basic Shares Outstanding (in shares)	8,439,258	8,442,278	8,439,258	8,441,070
Weighted Average Diluted Shares Outstanding (in shares)	8,439,258	8,442,278	8,439,258	8,441,070