Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012
ASSETS:
Cash and due from banks	$ 12,304	$ 12,598
Interest bearing deposits	36,087	50,505
Total cash and cash equivalents	48,391	63,103
Securities available-for-sale	324,040	354,131
Loans held for sale	1,490	3,887
Loans, net of unearned fees	505,930	524,835
Allowance for loan losses	(15,812)	(17,265)
Net loans	490,118	507,570
Federal Home Loan Bank stock	4,430	4,805
Cash surrender value of life insurance	10,153	10,060
Premises and equipment, net	26,838	27,048
Real estate owned:
Acquired through foreclosure, net of valuation allowance of $972 Mar (2013) and $500 Dec (2012)	19,705	22,286
Other repossessed assets	32	34
Accrued interest receivable	2,460	2,690
Accrued income taxes	2,928	2,928
Low-income housing investments	6,966	7,061
Other assets	2,391	1,459
TOTAL ASSETS	939,942	1,007,062
LIABILITIES AND STOCKHOLDERS' EQUITY
Non-interest bearing	80,999	75,842
Interest bearing	774,208	846,778
Total deposits	855,207	922,620
Advances from Federal Home Loan Bank	12,561	12,596
Subordinated debentures	18,000	18,000
Accrued interest payable	3,461	3,121
Accrued senior preferred dividend	2,719	2,469
Accounts payable and other liabilities	4,796	3,884
TOTAL LIABILITIES	896,744	962,690
Commitments and contingent liabilities
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 $22.7 million Mar (2013), and $22.5 million Dec (2012)	19,957	19,943
Common stock, $1 par value per share; authorized 35,000,000 shares; issued and outstanding, 4,789,962 shares Mar (2013), and 4,775,114 shares Dec (2012)	4,790	4,775
Additional paid-in capital	35,898	35,782
Accumulated deficit	(17,540)	(17,398)
Accumulated other comprehensive income	93	1,270
TOTAL STOCKHOLDERS' EQUITY	43,198	44,372
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 939,942	$ 1,007,062