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CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)
In Thousands, except Per Share data, unless otherwise specified
 3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
INTEREST INCOME    
Interest and fees on loans $ 9,907 $ 11,011
Interest and dividends on investment securities:    
Taxable 643 757
Tax-exempt 5 38
Interest on federal funds sold 2 2
Interest on deposits with other banks 50 48
Total interest income 10,607 11,856
INTEREST EXPENSE    
Interest on deposits 2,122 2,641
Interest on short-term borrowings 8 15
Interest on long-term debt 0 5
Total interest expense 2,130 2,661
NET INTEREST INCOME 8,477 9,195
Provision for credit losses 2,150 8,370
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 6,327 825
NONINTEREST INCOME    
Service charges on deposit accounts 572 648
Trust and investment fee income 390 423
Gains on sales of investment securities 0 0
Insurance agency commissions 2,813 2,689
Other noninterest income 715 814
Total noninterest income 4,490 4,574
NONINTEREST EXPENSE    
Salaries and wages 4,283 4,416
Employee benefits 1,134 1,170
Occupancy expense 597 687
Furniture and equipment expense 250 251
Data processing 703 666
Directors' fees 121 109
Amortization of other intangible assets 74 126
Insurance agency commissions expense 461 385
FDIC insurance premium expense 366 273
Write-downs of other real estate owned 672 575
Other noninterest expenses 1,830 1,840
Total noninterest expense 10,491 10,498
INCOME (LOSS) BEFORE INCOME TAXES 326 (5,099)
Income tax expense (benefit) 104 (2,063)
NET INCOME (LOSS) $ 222 $ (3,036)
Basic net income (loss) per common share (in dollars per share) $ 0.03 $ (0.36)
Diluted net income (loss) per common share (in dollars per share) $ 0.03 $ (0.36)
Dividends paid per common share (in dollars per share) $ 0.00 $ 0.01