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Condensed Consolidated Statements of Operations (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
 3 Months Ended 9 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Sep. 30, 2014
Sep. 30, 2013
INTEREST INCOME:        
Interest and fees on loans $ 6,786 $ 7,413 $ 20,428 $ 23,020
Interest on investment securities 1,113 857 3,247 2,276
Total interest income 7,899 8,270 23,675 25,296
INTEREST EXPENSE:        
Interest on deposits 640 693 1,894 2,215
Interest on borrowings 2 9 23 13
Total interest expense 642 702 1,917 2,228
NET INTEREST INCOME 7,257 7,568 21,758 23,068
Provision (reduction in reserve) for loan losses (55) 240 95 799
NET INTEREST INCOME AFTER PROVISION (REDUCTION IN RESERVE) FOR LOAN LOSSES 7,312 7,328 21,663 22,269
NON-INTEREST INCOME:        
Service and other charges on deposit accounts 581 586 1,572 1,734
Credit insurance income 190 239 423 518
Other income 409 466 1,817 1,890
Total non-interest income 1,180 1,291 3,812 4,142
NON-INTEREST EXPENSE:        
Salaries and employee benefits 4,359 4,029 12,582 12,006
Occupancy expense 508 495 1,475 1,456
Furniture and equipment expense 318 301 941 865
Other real estate/foreclosure expense, net 224 479 649 1,918
Other expense 1,833 2,061 5,702 5,988
Total non-interest expense 7,242 7,365 21,349 22,233
INCOME BEFORE INCOME TAXES 1,250 1,254 4,126 4,178
PROVISION FOR INCOME TAXES 413 350 1,297 1,206
NET INCOME $ 837 $ 904 $ 2,829 $ 2,972
BASIC NET INCOME PER SHARE $ 0.14 $ 0.15 $ 0.46 $ 0.49
DILUTED NET INCOME PER SHARE $ 0.13 $ 0.15 $ 0.46 $ 0.49
DIVIDENDS PER SHARE $ 0.01   $ 0.01