CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Interest Income
Loans, Including Fees	$ 9,956	$ 10,359	$ 19,645	$ 20,720
Federal Funds Sold	8	6	17	20
Deposits with Other Banks	10	5	23	16
Investment Securities
U.S. Government Agencies	1,225	862	2,409	1,574
State, County and Municipal	23	31	51	64
Corporate Obligations and Asset-Backed Securities	0	14	0	28
Dividends on Other Investments	29	19	59	38
Interest Income	11,251	11,296	22,204	22,460
Interest Expense
Deposits	1,288	1,405	2,609	3,091
Borrowed Money	435	436	873	868
Interest Expense	1,723	1,841	3,482	3,959
Net Interest Income	9,528	9,455	18,722	18,501
Provision for Loan Losses	481	1,200	808	2,700
Net Interest Income After Provision for Loan Losses	9,047	8,255	17,914	15,801
Noninterest Income
Service Charges on Deposits	1,071	1,147	2,138	2,248
Other Service Charges, Commissions and Fees	639	443	1,220	847
Mortgage Fee Income	114	141	181	260
Securities Gains (Losses)	1	6	1	(2)
Other	421	303	768	897
Noninterest Income	2,246	2,040	4,308	4,250
Noninterest Expenses
Salaries and Employee Benefits	4,305	4,149	8,717	8,318
Occupancy and Equipment	1,000	935	2,020	1,868
Other	2,986	3,655	6,420	6,945
Noninterest Expense	8,291	8,739	17,157	17,131
Income Before Income Taxes	3,002	1,556	5,065	2,920
Income Taxes	986	570	1,592	997
Net Income	2,016	986	3,473	1,923
Preferred Stock Dividends	681	375	1,324	745
Net Income Available to Common Stockholders	$ 1,335	$ 611	$ 2,149	$ 1,178
Net Income Per Share of Common Stock
Basic (in dollars per share)	$ 0.16	$ 0.07	$ 0.25	$ 0.14
Diluted (in dollars per share)	$ 0.16	$ 0.07	$ 0.25	$ 0.14
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