Condensed Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
INTEREST INCOME
Loans and Loan Fees	$ 12,927	$ 15,940	$ 25,321	$ 32,388
United States Treasury Securities		25		95
U.S. Government Agency Obligations	4	139	4	293
Obligations of States & Political Subdivisions	1,526	1,877	3,052	3,788
Collateralized Mortgage Obligations	1,199	1,502	2,393	3,130
Mortgage-Backed Securities	19	8	26	16
Corporate Bonds	16		16
Federal Funds Sold & Due from Banks	137	45	214	61
Dividends	17	60	63	144
Total Interest Income	15,845	19,596	31,089	39,915
INTEREST EXPENSE
Saving, N.O.W. & Money Market Deposits	303	549	620	1,183
Time Certificates of $100,000 or more	406	523	845	1,105
Other Time Deposits	258	321	538	678
Interest on Borrowings		315		654
Total Interest Expense	967	1,708	2,003	3,620
Net Interest Income	14,878	17,888	29,086	36,295
(Credit) Provision for Loan Losses	(2,400)	3,217	(2,400)	23,188
Net Interest Income After (Credit ) Provision for Loan Losses	17,278	14,671	31,486	13,107
NON-INTEREST INCOME
Service Charges on Deposit Accounts	1,000	1,006	1,950	2,011
Other Service Charges, Commissions & Fees	846	976	1,596	1,643
Fiduciary Fees	208	206	409	431
Net Gain on Sale of Securities Available for Sale	4	1,645		1,645
Other Operating Income	343	270	701	594
Total Non-Interest Income	2,401	4,103	4,656	6,324
OPERATING EXPENSES
Total Employee Compensation	8,875	7,772	17,459	15,317
Net Occupancy Expense	1,276	1,422	2,730	2,956
Equipment Expense	491	463	1,003	945
Outside Services	1,047	1,400	2,193	2,288
FDIC Assessments	478	855	548	1,986
OREO Expense (Income)	12	(29)	59	111
Prepayment Fee on Borrowing		1,028		1,028
Other Operating Expense	1,960	2,119	4,752	4,172
Total Operating Expenses	14,139	15,030	28,744	28,803
Income (Loss) Before Income Tax Expense (Benefit)	5,540	3,744	7,398	(9,372)
Income Tax Expense (Benefit)	1,340	474	2,030	(5,068)
NET INCOME (LOSS)	$ 4,200	$ 3,270	$ 5,368	$ (4,304)
Average: Common Shares Outstanding	9,726,814	9,723,360	9,726,814	9,714,672
Dilutive Stock Options
Average Total	9,726,814	9,723,360	9,726,814	9,714,672
EARNINGS (LOSS) PER COMMON SHARE
Basic	$ 0.43	$ 0.34	$ 0.55	$ (0.44)
Diluted	$ 0.43	$ 0.34	$ 0.55	$ (0.44)