CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Interest Income
Loans, Including Fees	$ 10,361	$ 10,420
Federal Funds Sold	14	26
Deposits with Other Banks	11	20
Investment Securities
U. S. Government Agencies	712	1,619
State, County and Municipal	33	66
Corporate Obligations and Asset-Backed Securities	14	23
Dividends on Other Investments	19	17
Interest Income	11,164	12,191
Interest Expense
Deposits	1,686	2,470
Borrowed Money	432	837
Interest Expense	2,118	3,307
Net Interest Income	9,046	8,884
Provision for Loan Losses	1,500	1,942
Net Interest Income After Provision for Loan Losses	7,546	6,942
Noninterest Income
Service Charges on Deposits	1,101	796
Other Service Charges, Commissions and Fees	404	419
Mortgage Fee Income	119	81
Securities Gains	(8)	137
Other	594	381
Noninterest Income	2,210	1,814
Noninterest Expenses
Salaries and Employee Benefits	4,169	3,820
Occupancy and Equipment	933	938
Other	3,290	3,225
Noninterest Expense	8,392	7,983
Income Before Income Taxes	1,364	773
Income Taxes	427	232
Net Income	937	541
Preferred Stock Dividends	370	352
Net Income Available to Common Stockholders	$ 567	$ 189
Net Income Per Share of Common Stock
Basic (in dollars per share)	$ 0.07	$ 0.02
Diluted (in dollars per share)	$ 0.07	$ 0.02
Cash Dividends Declared Per Share of Common Stock (in dollars per share)	$ 0.00	$ 0.00
Weighted Average Basic Shares Outstanding (in shares)	8,439,258	8,439,258
Weighted Average Diluted Shares Outstanding (in shares)	8,439,258	8,439,258