Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
ASSETS:
Cash and due from banks	$ 13,476	$ 12,598
Interest bearing deposits	52,512	50,505
Total cash and cash equivalents	65,988	63,103
Securities available-for-sale	269,282	354,131
Loans held for sale	470	3,887
Loans, net of unearned fees	466,862	524,835
Allowance for loan losses	(9,576)	(17,265)
Net loans	457,286	507,570
Federal Home Loan Bank stock	4,430	4,805
Cash surrender value of life insurance	10,428	10,060
Premises and equipment, net	23,773	27,048
Real estate owned:
Acquired through foreclosure, net of valuation allowance of $581 (2013) and $500 (2012)	11,657	22,286
Bank lots	1,469	0
Other repossessed assets	37	34
Accrued interest receivable	2,224	2,690
Accrued income taxes	2,907	2,928
Low-income housing investments	6,965	7,061
Other assets	1,701	1,459
TOTAL ASSETS	858,617	1,007,062
Deposits:
Non-interest bearing	78,480	75,842
Interest bearing	705,007	846,778
Total deposits	783,487	922,620
Advances from Federal Home Loan Bank	12,389	12,596
Subordinated debentures	18,000	18,000
Accrued interest payable	4,485	3,121
Accrued senior preferred dividend	3,469	2,469
Accounts payable and other liabilities	3,968	3,884
TOTAL LIABILITIES	825,798	962,690
Commitments and contingent liabilities (See Note 20)	0	0
STOCKHOLDERS' EQUITY:
Senior preferred stock, $1 par value per share; authorized 5,000,000 shares; issued and outstanding, 20,000 shares with a liquidation preference of $23.5 million (2013), and $22.5 million (2012)	19,997	19,943
Common stock, $1 par value per share; authorized 35,000,000 shares; issued and outstanding, 4,870,887 shares (2013), and 4,775,114 shares (2012)	4,871	4,775
Additional paid-in capital	36,230	35,782
Accumulated deficit	(17,711)	(17,398)
Accumulated other comprehensive income/(loss)	(10,568)	1,270
TOTAL STOCKHOLDERS' EQUITY	32,819	44,372
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 858,617	$ 1,007,062