Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
ASSETS:
Cash and due from banks	$ 16,995	$ 13,476
Interest bearing deposits	65,541	52,512
Total cash and cash equivalents	82,536	65,988
Securities available-for-sale	212,231	269,282
Loans held for sale	1,313	470
Loans, net of unearned fees	455,369	466,862
Allowance for loan losses	(9,538)	(9,576)
Net loans	445,831	457,286
Federal Home Loan Bank stock	4,080	4,430
Cash surrender value of life insurance	10,606	10,428
Premises and equipment, net	23,307	23,773
Real estate owned:
Acquired through foreclosure, net of valuation allowance of $1,039 Jun (2014) and $581 Dec (2013)	11,243	11,657
Bank lots	1,446	1,469
Other repossessed assets	5	37
Accrued interest receivable	1,752	2,224
Accrued income taxes	3	2,907
Low-income housing investments	6,834	6,965
Other assets	1,134	1,701
TOTAL ASSETS	802,321	858,617
Deposits [Abstract]
Non-interest bearing	89,196	78,480
Interest bearing	634,427	705,007
Total deposits	723,623	783,487
Advances from Federal Home Loan Bank	12,320	12,389
Subordinated debentures	18,000	18,000
Accrued interest payable	5,160	4,574
Accrued senior preferred dividend	4,257	3,380
Accounts payable and other liabilities	4,087	3,968
TOTAL LIABILITIES	767,447	825,798
Commitments and contingent liabilities	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 $24.3 million June (2014), and $23.5 million Dec (2013)	20,000	19,997
Common stock, $1 par value per share; authorized 35,000,000 shares; issued and outstanding, 5,145,356 shares June (2014), and 4,870,887 shares Dec (2013)	5,145	4,871
Additional paid-in capital	36,978	36,230
Accumulated deficit	(20,661)	(17,711)
Accumulated other comprehensive loss	(6,588)	(10,568)
TOTAL STOCKHOLDERS' EQUITY	34,874	32,819
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 802,321	$ 858,617