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Consolidated Balance Sheets (USD $)
In Thousands
Jun. 30, 2011
Dec. 31, 2010
Assets    
Cash and due from banks $ 8,431 $ 5,048
Interest-bearing deposits in banks 21,098 10,949
Federal funds sold   7,500
Securities available for sale, at fair value 82,780 60,420
Restricted securities, at cost 2,859 3,153
Loans held for sale   271
Loans, net of allowance for loan losses, 2011, $13,778, 2010, $16,036 401,724 418,994
Other real estate owned, net of valuation allowance, 2011, $3,072, 2010, $3,341 5,696 3,961
Premises and equipment, net 19,804 20,302
Interest receivable 1,706 1,667
Other assets 11,151 12,364
Total assets 555,249 544,629
Liabilities and Shareholders' Equity    
Noninterest-bearing demand deposits 82,727 78,964
Savings and interest-bearing demand deposits 189,270 178,685
Time deposits 204,497 205,851
Total deposits 476,494 463,500
Other borrowings 18,111 20,122
Company obligated mandatorily redeemable capital securities 9,279 9,279
Accrued expenses and other liabilities 2,768 3,230
Commitments and contingencies    
Total liabilities 506,652 496,131
Shareholders' Equity    
Preferred stock, $1,000 liquidation preference; 14,595 shares issued and outstanding 14,194 14,127
Common stock, par value $1.25 per share; authorized 8,000,000 shares; issued and outstanding, 2011, 2,955,649 shares, 2010, 2,948,901 shares 3,695 3,686
Surplus 1,644 1,582
Retained earnings 27,991 28,969
Accumulated other comprehensive income, net 1,073 134
Total shareholders' equity 48,597 48,498
Total liabilities and shareholders' equity $ 555,249 $ 544,629