CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Interest Income
Loans, Including Fees	$ 9,689	$ 10,361
Federal Funds Sold	9	14
Deposits with Other Banks	13	11
Investment Securities
U.S. Government Agencies	1,184	712
State, County and Municipal	28	33
Corporate Obligations and Asset-Backed Securities	0	14
Dividends on Other Investments	30	19
Interest Income	10,953	11,164
Interest Expense
Deposits	1,321	1,686
Borrowed Money	438	432
Interest Expense	1,759	2,118
Net Interest Income	9,194	9,046
Provision for Loan Losses	327	1,500
Net Interest Income After Provision for Loan Losses	8,867	7,546
Noninterest Income
Service Charges on Deposits	1,067	1,101
Other Service Charges, Commissions and Fees	581	404
Mortgage Fee Income	67	119
Other	347	594
Noninterest Income	2,062	2,218
Noninterest Expenses
Salaries and Employee Benefits	4,412	4,169
Occupancy and Equipment	1,020	933
Securities Losses	0	8
Other	3,434	3,290
Noninterest Expense	8,866	8,400
Income Before Income Taxes	2,063	1,364
Income Taxes	606	427
Net Income	1,457	937
Preferred Stock Dividends	643	370
Net Income Available to Common Stockholders	$ 814	$ 567
Net Income Per Share of Common Stock
Basic (in dollars per share)	$ 0.10	$ 0.07
Diluted (in dollars per share)	$ 0.10	$ 0.07
Cash Dividends Declared Per Share of Common Stock (in dollars per share)	$ 0	$ 0
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