CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest Income
Loans, Including Fees	$ 10,303	$ 10,538	$ 31,023	$ 31,391
Federal Funds Sold	7	16	27	72
Deposits with Other Banks	5	4	21	34
Investment Securities
U.S. Government Agencies	880	1,116	2,454	4,125
State, County and Municipal	30	42	94	173
Corporate Obligations and Asset-Backed Securities	14	14	42	62
Dividends on Other Investments	21	18	59	55
Interest Income	11,260	11,748	33,720	35,912
Interest Expense
Deposits	1,361	2,110	4,452	6,833
Borrowed Money	405	416	1,273	1,882
Interest Expense	1,766	2,526	5,725	8,715
Net Interest Income	9,494	9,222	27,995	27,197
Provision for Loan Losses	1,500	1,742	4,200	5,627
Net Interest Income After Provision for Loan Losses	7,994	7,480	23,795	21,570
Noninterest Income
Service Charges on Deposits	1,236	917	3,484	2,527
Other Service Charges, Commissions and Fees	442	372	1,289	1,119
Mortgage Fee Income	117	103	377	296
Securities Gains (Losses)	0	1,187	(2)	2,067
Other	314	324	1,211	1,082
Noninterest Income	2,109	2,903	6,359	7,091
Noninterest Expenses
Salaries and Employee Benefits	4,178	3,833	12,496	11,486
Occupancy and Equipment	974	1,000	2,842	2,901
Other	3,336	4,414	10,281	11,248
Noninterest Expense	8,488	9,247	25,619	25,635
Income Before Income Taxes	1,615	1,136	4,535	3,026
Income Taxes	535	364	1,532	953
Net Income	1,080	772	3,003	2,073
Preferred Stock Dividends	379	361	1,124	1,070
Net Income Available to Common Stockholders	$ 701	$ 411	$ 1,879	$ 1,003
Net Income Per Share of Common Stock
Basic (in dollars per share)	$ 0.08	$ 0.05	$ 0.22	$ 0.12
Diluted (in dollars per share)	$ 0.08	$ 0.05	$ 0.22	$ 0.12
Cash Dividends Declared Per Share of Common Stock (in dollars per share)	$ 0	$ 0	$ 0	$ 0
Weighted Average Basic Shares Outstanding (in shares)	8,439,258	8,439,258	8,439,258	8,439,258
Weighted Average Diluted Shares Outstanding (in shares)	8,439,258	8,439,258	8,439,258	8,439,258