Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
ASSETS:
Cash and due from banks	$ 12,598	$ 12,973
Interest bearing deposits	50,505	79,263
Total cash and cash equivalents	63,103	92,236
Securities available-for-sale	354,131	313,777
Securities held-to-maturity, fair value of $24 (2011)	0	24
Total securities	354,131	313,801
Loans held for sale	3,887	56,016
Loans, net of unearned fees	524,835	691,253
Allowance for loan losses	(17,265)	(17,181)
Net loans	507,570	674,072
Federal Home Loan Bank stock	4,805	4,805
Cash surrender value of life insurance	10,060	9,702
Premises and equipment, net	27,048	29,694
Premises and equipment held for sale,net	0	946
Real estate owned:
Acquired through foreclosure, net of valuation allowance of $500 (2012) and $0 (2011)	22,286	29,083
Held for development	0	45
Other repossessed assets	34	42
Core deposit intangible	0	714
Accrued interest receivable	2,690	3,168
Accrued income taxes	2,928	3,517
Prepaid FDIC Insurance	0	1,302
Low-income housing investments	7,061	7,671
Other assets	1,459	1,964
TOTAL ASSETS	1,007,062	1,228,778
LIABILITIES AND STOCKHOLDERS' EQUITY
Non-interest bearing	75,842	72,675
Non-interest bearing held for sale	0	4,954
Interest bearing	846,778	932,915
Interest bearing held for sale	0	112,250
Total deposits	922,620	1,122,794
Advances from Federal Home Loan Bank	12,596	27,736
Subordinated debentures	18,000	18,000
Accrued interest payable	3,121	1,817
Accrued TARP dividend	2,469	1,389
Accounts payable and other liabilities	3,884	3,579
TOTAL LIABILITIES	962,690	1,175,315
Commitments and contingent liabilities (See Note 19)	0	0
STOCKHOLDERS' EQUITY:
Serial preferred stock, $1 par value per share; authorized 5,000,000 shares; issued and outstanding, 20,000 shares with a liquidation preference of $22.5 million (2012), and $21.4 million (2011)	19,943	19,889
Common stock, $1 par value per share; authorized 35,000,000 shares; issued and outstanding, 4,775,114 shares (2012), and 4,749,415 shares (2011)	4,775	4,749
Additional paid-in capital	35,782	35,450
Accumulated deficit	(17,398)	(7,951)
Accumulated other comprehensive income	1,270	1,326
TOTAL STOCKHOLDERS' EQUITY	44,372	53,463
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,007,062	$ 1,228,778