Consolidated Statements of Operations (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
INTEREST INCOME:    
Interest and fees on loans $ 30,394 $ 35,373
Interest on investment securities:    
Taxable 2,540 2,629
Tax-exempt 549 575
Other interest and dividends 153 176
Total interest income 33,636 38,753
INTEREST EXPENSE:    
Interest on deposits 2,884 4,433
Interest on short-term borrowings 10 10
Interest on long-term debt 11 113
Total interest expense 2,905 4,556
NET INTEREST INCOME 30,731 34,197
PROVISION (REDUCTION IN RESERVE) FOR LOAN LOSSES (642) 4,338
Net interest income after provision (reduction in reserve) for loan losses 31,373 29,859
NON-INTEREST INCOME:    
Service and other charges on deposit accounts 1,720 2,522
Credit life insurance income 806 955
Other income 2,339 2,088
Total non-interest income 4,865 5,565
NON-INTEREST EXPENSE:    
Salaries and employee benefits 16,261 14,590
Occupancy expense 1,949 1,899
Furniture and equipment expense 1,197 1,293
Write-downs on other real estate 2,352 4,866
Other expense 9,043 9,836
Total non-interest expense 30,802 32,484
INCOME BEFORE INCOME TAXES 5,436 2,940
PROVISION FOR INCOME TAXES 1,509 745
NET INCOME $ 3,927 $ 2,195
BASIC AND DILUTED WEIGHTED AVERAGE SHARES OUTSTANDING 6,025,724 6,022,892
BASIC AND DILUTED NET INCOME PER SHARE $ 0.65 $ 0.36
DIVIDENDS PER SHARE $ 0.00 $ 0.00