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CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
 3 Months Ended 6 Months Ended
Jun. 30, 2014
Jun. 30, 2013
Jun. 30, 2014
Jun. 30, 2013
INTEREST INCOME:        
Interest and fees on loans $ 6,845 $ 7,697 $ 13,642 $ 15,607
Interest on investment securities 1,085 735 2,134 1,419
Total interest income 7,930 8,432 15,776 17,026
INTEREST EXPENSE:        
Interest on deposits 617 735 1,254 1,522
Interest on borrowings 13 2 21 4
Total interest expense 630 737 1,275 1,526
NET INTEREST INCOME 7,300 7,695 14,501 15,500
PROVISION (REDUCTION IN RESERVE) FOR LOAN LOSSES (264) 53 150 559
NET INTEREST INCOME AFTER PROVISION (REDUCTION IN RESERVE) FOR LOAN LOSSES 7,564 7,642 14,351 14,941
NON-INTEREST INCOME:        
Service and other charges on deposit accounts 491 558 991 1,148
Credit life insurance income 93 169 233 279
Other income 901 501 1,408 1,424
Total non-interest income 1,485 1,228 2,632 2,851
NON-INTEREST EXPENSE:        
Salaries and employee benefits 4,141 3,965 8,223 7,977
Occupancy expense 467 500 967 961
Furniture and equipment expense 308 281 623 564
Other real estate/foreclosure expense 325 532 425 1,439
Other expense 1,982 1,898 3,869 3,927
Total non-interest expense 7,223 7,176 14,107 14,868
INCOME BEFORE INCOME TAXES 1,826 1,694 2,876 2,924
PROVISION FOR INCOME TAXES 608 512 884 856
NET INCOME $ 1,218 $ 1,182 $ 1,992 $ 2,068
BASIC AND DILUTED NET INCOME PER SHARE $ 0.20 $ 0.20 $ 0.33 $ 0.34
DIVIDENDS PER SHARE