Consolidated Statements Of Operations (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
INTEREST INCOME
Federal Funds Sold & Interest Due from Banks	$ 79	$ 3	$ 140	$ 8
United States Treasury Securities	1	71	96	213
Obligations of States & Political Subdivisions	1,544	1,979	5,332	5,818
Mortgage-Backed Securities	1,412	1,888	4,558	5,957
U.S. Government Agency Obligations	44	202	337	607
Other Securities	59	95	203	320
Loans and Loan Fees	15,100	17,464	47,488	52,545
Total Interest Income	18,239	21,702	58,154	65,468
INTEREST EXPENSE
Saving, N.O.W. & Money Market Deposits	435	827	1,618	2,551
Time Certificates of $100,000 or more	471	709	1,576	2,271
Other Time Deposits	307	436	985	1,365
Federal Funds Purchased and Repurchase Agreements	1		1	2
Borrowings		363	654	1,322
Total Interest Expense	1,214	2,335	4,834	7,511
Net Interest Income	17,025	19,367	53,320	57,957
Provision for Loan Losses	900	14,729	24,088	26,549
Net Interest Income After Provision for Loan Losses	16,125	4,638	29,232	31,408
OTHER INCOME
Service Charges on Deposit Accounts	953	1,215	2,964	3,745
Other Service Charges, Commissions & Fees	988	1,007	2,631	2,591
Fiduciary Fees	213	243	644	760
Net Gain on Sale of Securities Available for Sale			1,645	12
Other Operating Income	236	202	830	689
Total Other Income	2,390	2,667	8,714	7,797
OTHER EXPENSE
Salaries & Employee Benefits	8,141	7,457	23,458	21,682
Net Occupancy Expense	1,435	1,336	4,391	4,030
Equipment Expense	506	511	1,451	1,576
Outside Services	1,425	727	3,423	1,646
FDIC Assessments	555	862	2,541	2,089
OREO Expense	182		293
Prepayment Fee on Borrowing			1,028
Other Operating Expense	2,683	2,128	7,145	6,280
Total Other Expense	14,927	13,021	43,730	37,303
Income (Loss) Before Income Taxes	3,588	(5,716)	(5,784)	1,902
Provision (Benefit) for Income Taxes	516	(2,579)	(4,552)	(1,285)
NET INCOME (LOSS)	$ 3,072	$ (3,137)	$ (1,232)	$ 3,187
Weighted Average: Common Shares Outstanding	9,726,948	9,662,328	9,718,809	9,649,550
Weighted Average: Dilutive Stock Options				6,408
Weighted Average Total Common Shares and Dilutive Options	9,726,948	9,662,328	9,718,809	9,655,958
EARNINGS (LOSS) PER COMMON SHARE, Basic	$ 0.32	$ (0.32)	$ (0.13)	$ 0.33
EARNINGS (LOSS) PER COMMON SHARE, Diluted	$ 0.32	$ (0.32)	$ (0.13)	$ 0.33
DIVIDENDS PER COMMON SHARE		$ 0.22		$ 0.66