Condensed Consolidated Statements Of Income (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
INTEREST INCOME
Loans and Loan Fees	$ 12,394	$ 16,448
United States Treasury Securities		70
Obligations of States & Political Subdivisions (tax-exempt)	1,521	1,896
Obligations of States & Political Subdivisions (taxable)	5	15
Collateralized Mortgage Obligations	1,194	1,628
Mortgage-Backed Securities	7	8
U.S. Government Agency Obligations		154
Federal Funds Sold & Interest Due from Banks	77	16
Dividends	46	84
Total Interest Income	15,244	20,319
INTEREST EXPENSE
Saving, N.O.W. & Money Market Deposits	317	634
Time Certificates of $100,000 or more	439	582
Other Time Deposits	280	357
Interest on Borrowings		339
Total Interest Expense	1,036	1,912
Net Interest Income	14,208	18,407
Provision for Loan Losses		19,971
Net Interest Income (Loss) After Provision for Loan Losses	14,208	(1,564)
OTHER INCOME
Service Charges on Deposit Accounts	950	1,005
Other Service Charges, Commissions & Fees	750	667
Fiduciary Fees	201	225
Other Operating Income	354	324
Total Other Income	2,255	2,221
OTHER EXPENSE
Employee Compensation Expense	8,584	7,545
Net Occupancy Expense	1,454	1,534
Equipment Expense	512	482
Outside Services	1,146	888
FDIC Assessments	70	1,131
Other Real Estate Owned Expense	47	140
Other Operating Expense	2,792	2,053
Total Other Expense	14,605	13,773
Income (Loss) Before Income Tax Expense (Benefit)	1,858	(13,116)
Income Tax Expense (Benefit)	690	(5,542)
NET INCOME (LOSS)	$ 1,168	$ (7,574)
Average: Common Shares Outstanding	9,726,814	9,705,888
Dilutive Stock Options
Average Total	9,726,814	9,705,888
EARNINGS (LOSS) PER COMMON SHARE
Basic	$ 0.12	$ (0.78)
Diluted	$ 0.12	$ (0.78)