Condensed Consolidated Balance Sheets (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 26,555	$ 37,255
Interest-bearing deposits in other financial institutions	57,617	67,526
Federal funds sold	10,000	10,000
Cash and cash equivalents	94,172	114,781
Available-for-sale securities	64,985	63,640
Mortgage loans held for sale, fair value	4,303	8,162
Loans, net of allowance for loan losses of $12,892 and $14,731 in 2011 and 2010, respectively	442,496	477,723
Premises and equipment, net	15,974	16,239
Foreclosed assets held for sale, net	28,704	20,144
Interest receivable	1,950	1,783
Deferred income taxes	10,965	10,976
Prepaid expenses and other assets	6,364	2,026
Federal Home Loan Bank stock, Federal Reserve Bank stock, and other securities	7,241	7,163
Core deposit intangible asset, at amortized cost	357	464
Total assets	677,511	723,101
LIABILITIES
Demand	118,179	100,975
Savings, NOW and money market	215,719	218,407
Time	169,121	221,836
Total deposits	503,019	541,218
Other interest-bearing liabilities	14,506	18,748
Long-term debt	100,265	99,757
Interest payable and other liabilities	7,809	6,214
Total liabilities	625,599	665,937
STOCKHOLDERS' EQUITY
Preferred stock, $1 par value, $1,000 liquidation preference; authorized 15,000,000 shares; issued and outstanding 2011 - 21,750 shares; 2010 - 21,750 shares	22	22
Common stock, par value $1 per share; authorized 15,000,000 shares; issued and outstanding 2011 - 2,838,492 shares; 2010 - 2,843,301 shares	2,838	2,843
Additional paid-in capital	38,375	38,431
Retained earnings	10,421	15,838
Accumulated other comprehensive income, net of income tax of $171 in 2011 and $20 in 2010	256	30
Total stockholders' equity	51,912	57,164
Total liabilities and stockholders' equity	$ 677,511	$ 723,101