First Capital Bancorp (FCVA) Inactive 10-Q14 Nov 132013 Q3 Quarterly reportFinancial data

Company Profile

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
Document And Entity Information	Sep. 30, 2013	Nov. 07, 2013
Document And Entity Information [Abstract]	'	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'
Entity Registrant Name	'FIRST CAPITAL BANCORP, INC.	'
Entity Central Index Key	'0001373525	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	12,536,186

Consolidated_Statements_Of_Fin

Consolidated Statements Of Financial Condition (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
ASSETS	'	'
Cash and due from banks	$8,817	$8,577	[1]
Interest-bearing deposits in other banks	3,240	26,744	[1]
Total cash and cash equivalents	12,057	35,321	[1]
Investment securities:	'	'
Available for sale, at fair value	76,382	86,825	[1]
Held to maturity, at cost	2,876	2,880	[1]
Restricted, at cost	3,554	3,479	[1]
Loans held for sale	1,255	9,912	[1]
Loans, net of allowance for losses of $8,591 in 2013 and $7,269 in 2012	408,605	368,920	[1]
Other real estate owned (OREO)	2,602	3,771	[1]
Premises and equipment, net	10,556	10,945	[1]
Accrued interest receivable	1,726	1,807	[1]
Bank owned life insurance	9,499	9,251	[1]
Deferred tax asset	6,262	6,781	[1]
Prepaid FDIC premiums	'	809	[1]
Other assets	1,315	2,246	[1]
Total assets	536,689	542,947	[1]
LIABILITIES	'	'
Noninterest-bearing deposits	62,444	60,098	[1]
Interest-bearing deposits	384,427	399,015	[1]
Total deposits	446,871	459,113	[1]
Securities sold under repurchase agreements	916	871	[1]
Subordinated debt and trust preferred	7,155	7,155	[1]
Federal Home Loan Bank advances	30,000	25,000	[1]
Accrued expenses and other liabilities	2,864	3,720	[1]
Total liabilities	487,806	495,859	[1]
STOCKHOLDERS' EQUITY	'	'
Preferred stock, See Note 10	22	22	[1]
Common stock, See Note 11	50,113	49,100	[1]
Additional paid-in capital	4,181	4,072	[1]
Accumulated deficit	-5,504	-8,120	[1]
Warrants	'	661	[1]
Discount on preferred stock	-33	-84	[1]
Accumulated other comprehensive income, net of tax	104	1,437	[1]
Total stockholders' equity	48,883	47,088	[1]
Total liabilities and stockholders' equity	$536,689	$542,947	[1]

[1]	Derived from audited, consolidated financial statements

Consolidated_Statements_Of_Fin1

Consolidated Statements Of Financial Condition (Parenthetical) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
Consolidated Statements Of Financial Condition [Abstract]	'	'	'	'	'	'
Loans, allowance for losses	$8,591	$8,582	$7,269	$7,208	$7,253	$9,271

Consolidated_Statements_Of_Ope

Consolidated Statements Of Operations (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and dividend income	'	'	'	'
Loans	$5,256	$5,064	$15,426	$15,334
Investments:	'	'	'	'
Taxable interest income	430	533	1,371	1,637
Tax exempt interest income	56	64	172	205
Dividends	34	30	102	99
Interest bearing deposits	5	6	17	29
Total interest income	5,781	5,697	17,088	17,304
Interest expense	'	'	'	'
Deposits	1,120	1,387	3,540	4,209
FHLB advances	83	87	246	878
Subordinated debt and other borrowings	35	38	106	117
Total interest expense	1,238	1,512	3,892	5,204
Net interest income	4,543	4,185	13,196	12,100
(Recovery of) provision for loan losses	-86	156	14	9,031
Net interest income after provision for loan losses	4,629	4,029	13,182	3,069
Noninterest income	'	'	'	'
Fees on deposits	92	97	268	283
(Loss) gain on sale of securities	-7	53	169	79
Gain on sale of loans	142	253	729	346
Other	232	218	639	638
Total noninterest income	459	621	1,805	1,346
Noninterest expenses	'	'	'	'
Salaries and employee benefits	2,143	1,867	6,280	5,698
Occupancy expense	213	201	618	594
Data processing	240	203	730	622
Professional services	99	139	323	457
Advertising and marketing	86	63	376	168
FDIC assessment	68	184	254	551
Virginia franchise tax	120	130	360	132
(Gain)/loss on sale and write down of OREO	-161	-47	-117	1,596
Depreciation	141	155	442	471
FHLB prepayment penalty	'	12	'	2,767
Other	544	535	1,546	1,673
Total noninterest expense	3,493	3,442	10,812	14,729
Net income/(loss) before income taxes	1,595	1,208	4,175	-10,314
Income tax expense/(benefit)	518	380	1,301	-3,668
Net income/(loss)	1,077	828	2,874	-6,646
Effective dividend on preferred stock	86	85	258	412
Net income available/(loss) allocable to common stockholders	$991	$743	$2,616	($7,058)
Basic net income/(loss) per common share	$0.08	$0.06	$0.22	($0.93)
Diluted net income/(loss) per common share	$0.07	$0.06	$0.19	($0.93)

Consolidated_Statements_Of_Com

Consolidated Statements Of Comprehensive Income/(Loss) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Consolidated Statements Of Comprehensive Income/(Loss) [Abstract]	'	'	'	'
Net income/(loss)	$1,077	$828	$2,874	($6,646)
Other comprehensive (loss) income:	'	'	'	'
Unrealized gains (losses) on investment securities available for sale	-115	350	-1,850	1,525
Unrealized gains (losses) on investment securities available for sale, Tax effect	40	-119	629	-519
Reclassification of (gains) losses recognized in net income	7	-53	-169	-79
Reclassification of (gains) losses recognized in net income, Tax effect	-2	18	57	28
Total other comprehensive (loss) income	-70	196	-1,333	955
Comprehensive income/(loss)	$1,007	$1,024	$1,541	($5,691)

Consolidated_Statements_Of_Sto

Consolidated Statements Of Stockholders' Equity (USD $)	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-In Capital [Member]	Accumulated Deficit [Member]	Warrants [Member]	Discount on Preferred Stock [Member]	Accumulated Other Comprehensive Income [Member]	Total
In Thousands	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-In Capital [Member]	Accumulated Deficit [Member]	Warrants [Member]	Discount on Preferred Stock [Member]	Accumulated Other Comprehensive Income [Member]	Total
Balances at Dec. 31, 2011	$44	$11,885	$29,695	($1,942)	$661	($303)	$643	$40,683
Net income (loss)	'	'	'	-6,646	'	'	'	-6,646
Other comprehensive (loss) income	'	'	'	'	'	'	955	955
Preferred stock dividend	'	'	-266	-68	'	'	'	-334
Accretion of discount on preferred stock	'	'	-61	-17	'	78	'	'
Stock based compensation	'	'	90	'	'	'	'	90
Redemption of stock	-22	'	-5,650	'	'	124	'	-5,548
Proceeds from issuance of 8.9 million shares of common stock, net of costs	'	35,654	-18,287	'	'	'	'	17,367
Balances at Sep. 30, 2012	22	47,539	5,521	-8,673	661	-101	1,598	46,567
Balances at Dec. 31, 2012	22	49,100	4,072	-8,120	661	-84	1,437	47,088	[1]
Net income (loss)	'	'	'	2,874	'	'	'	2,874
Other comprehensive (loss) income	'	'	'	'	'	'	-1,333	-1,333
Preferred stock dividend	'	'	'	-207	'	'	'	-207
Accretion of discount on preferred stock	'	'	'	-51	'	51	'	'
Stock based compensation	'	'	344	'	'	'	'	344
Redemption of stock	'	'	395	'	-661	'	'	-266
Costs associated with redemption of common stock warrants	'	'	-15	'	'	'	'	-15
Retirement of common stock and associated warrants	'	-219	1	'	'	'	'	-218
Warrants exercised in connection with 8.9 million shares issued	'	1,232	-616	'	'	'	'	616
Balances at Sep. 30, 2013	$22	$50,113	$4,181	($5,504)	'	($33)	$104	$48,883

[1]	Derived from audited, consolidated financial statements

Consolidated_Statements_Of_Sto1

Consolidated Statements Of Stockholders' Equity (Parenthetical)	9 Months Ended
In Millions, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Consolidated Statements Of Stockholders' Equity [Abstract]	'	'
Issuance of common stock, shares	8.9	8.9

Consolidated_Statements_Of_Cas

Consolidated Statements Of Cash Flows (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2012
Cash flows from operating activities	'		'
Net income (loss)	$2,874		($6,646)
Adjustments to reconcile net income to net cash provided by operating activities:	'		'
Provision for loan losses	14		9,031
Depreciation of premises and equipment	442		471
Net amortization of bond premiums/discounts	585		784
Stock based compensation expense	344		90
Deferred income tax expense (benefit)	1,206		-3,620
Gain on sale of securities	-169		-79
Gain on loans sold	-729		-346
(Gain) loss on sale and write-down of other real estate owned	-117		1,596
Increase in cash surrender value of bank owned life insurance	-248		-250
Proceeds from sale of loans held for sale	71,811		37,839
Origination of loans held for sale	-62,425		-42,690
Decrease in other assets	1,738		830
Decrease (increase) in accrued interest receivable	81		-148
(Decrease) increase in accrued expenses and other liabilities	-856		438
Net cash provided by (used in) operating activities	14,551		-2,700
Cash flows from investing activities	'		'
Proceeds from maturities and calls of securities	1,092		2,050
Proceeds from paydowns of securities available-for-sale	10,380		9,165
Purchase of securities available-for-sale	-20,047		-18,419
Proceeds from sale of securities available-for-sale	16,586		5,287
Proceeds from sale of other real estate owned	2,118		1,722
(Purchase) redemption of Federal Home Loan Bank Stock, net	-64		1,258
Purchase of Federal Reserve Stock, net	-11		-140
Purchases of premises and equipment	-53		-272
Net increase in loans	-40,529		-7,780
Net cash used in investing activities	-30,528		-7,129
Cash flows from financing activities	'		'
Net decrease in deposits	-12,242		7,106
Borrowings (repayments) with FHLB, net	5,000		-25,000
Dividends on preferred stock	-207		-334
Cash paid for redemption of common stock warrants, net of expenses	-281		'
Cash paid for TARP preferred stock redemption	'		-5,548
Proceeds from issuance of additional stock under rights offering, net of associated offering costs	'		17,367
Retirement of common stock and associated warrants and warrants exercised in connection with the rights offering, net	398		'
Net increase (decrease) in repurchase agreements	45		-669
Net cash used in financing activities	-7,287		-7,078
Net decrease in cash and cash equivalents	-23,264		-16,907
Cash and cash equivalents, beginning of period	35,321	[1]	50,359
Cash and cash equivalents, end of period	12,057		33,452
Supplemental disclosure of cash flow information	'		'
Interest paid during the period	3,892		5,205
Taxes refunded, net of taxes paid during the period	917		'
Supplemental schedule of noncash investing and financing activities	'		'
Transfer of loans to other real estate owned	3,130		174
Unrealized (loss) gain on securities available for sale, net of tax	-1,221		1,007
Company financed sales of other real estate owned	$2,300		'

[1]	Derived from audited, consolidated financial statements

Basis_Of_Presentation

Basis Of Presentation	9 Months Ended
Basis Of Presentation	Sep. 30, 2013
Basis Of Presentation [Abstract]	'
Basis Of Presentation	'
	Note 1 – Basis of Presentation
	First Capital Bancorp, Inc. (the “Company”) is the holding company of and successor to First Capital Bank (sometimes referred to herein as the “Bank”). Effective September 8, 2006, the Company acquired all of the outstanding stock of the Bank in a statutory share exchange transaction (the “Share Exchange”) pursuant to an Agreement and Plan of Reorganization dated September 5, 2006, between the Company and the Bank (the “Agreement”). The Agreement was approved by the shareholders of the Bank at the annual meeting of shareholders held on May 16, 2006. Under the terms of the Agreement, the shares of the Bank’s common stock were exchanged for shares of the Company’s common stock, par value $4.00 per share, on a one-for-one basis. As a result, the Bank became a wholly owned subsidiary of the Company, the Company became the holding company of the Bank and the shareholders of the Bank became shareholders of the Company.
	The Company conducts all of its business activities through the branch offices of its wholly owned subsidiary bank, First Capital Bank. First Capital Bank created RE1, LLC, and RE2, LLC, wholly owned Virginia limited liability companies in 2008 and 2011, respectively, for the sole purpose of taking title to property acquired in lieu of foreclosure. RE1, LLC and RE2, LLC have been consolidated with First Capital Bank. The Company exists primarily for the purpose of holding the stock of the Bank and such other subsidiaries as it may acquire or establish.
	The Company has one other wholly owned subsidiary, FCRV Statutory Trust 1 (the “Trust”), a Delaware Business Trust that was formed in connection with the issuance of trust preferred debt in September, 2006. Pursuant to current accounting standards, the Company does not consolidate the Trust.
	The consolidated financial statements include the accounts of First Capital Bancorp, Inc. and its wholly owned subsidiary, First Capital Bank. All material intercompany balances and transactions have been eliminated.
	In management’s opinion the accompanying unaudited consolidated financial statements, reflect all adjustments, consisting solely of normal recurring accruals, necessary for a fair presentation of the financial information as of September 30, 2013, and December 31, 2012 and for the three and nine months ended September 30, 2013, and 2012, in conformity with accounting principles generally accepted in the United States of America (“GAAP”). Results for the three and nine month periods ended September 30, 2013 are not necessarily indicative of the results that may be expected for the full year ending December 31, 2013.
	The organization and business of the Company, accounting policies followed, and other related information are contained in the notes to the consolidated financial statements of the Company as of and for the year ended December 31, 2012, filed as part of the Company’s annual report on Form 10-K. These interim consolidated financial statements should be read in conjunction with the annual financial statements.
	First Capital Bank’s critical accounting policies relate to the evaluation of the allowance for loan losses and the establishment of fair value of financial instruments, and other assets.
	The evaluation of the allowance for loan losses is based on management’s opinion of an amount that is adequate to absorb probable losses inherent in the Bank’s existing portfolio. The allowance for loan losses is an estimate of the losses that may be sustained in the loan portfolio. The allowance is based on two basic principles of accounting: (i) Accounting Standards Codification (“ASC”) 450 Contingencies, which requires that losses be accrued when occurrence is probable and can be reasonably estimated, and (ii) ASC 310 Receivables, which requires that losses be accrued based on the differences between the value of collateral, present value of future cash flows or values that are observable in the secondary market and the loan balance.
	The Company’s allowance for loan losses is the accumulation of various components that are calculated based on independent methodologies. All components of the allowance represent an estimation performed pursuant to applicable GAAP. Management’s estimate of each homogenous pool component is based on certain observable data that management believes are most reflective of the underlying credit losses being estimated. This evaluation includes credit quality trends; collateral values; loan volumes; geographic, borrower and industry concentrations; seasoning of the loan portfolio; the findings of internal credit quality assessments and results from external bank regulatory examinations. These factors, as well as historical losses and current economic and business conditions, are used in developing estimated loss factors used in the calculations.
	Applicable GAAP requires that the impairment of loans that have been separately identified for evaluation are measured based on the present value of expected future cash flows or, alternatively, the observable market price of the loans or the fair value of the collateral. However, for those loans that are collateral dependent (that is, if repayment of those loans is expected to be provided solely by the underlying collateral) and for which management has determined foreclosure is probable, the measure of impairment is to be based on the net realizable value of the collateral. This statement also requires certain disclosures about investments in impaired loans and the allowance for loan losses and interest income recognized on impaired loans.
	Reserves for commercial loans are determined by applying estimated loss factors to the portfolio based on historical loss experience and management’s evaluation and “risk grading” of the commercial loan portfolio. Reserves are provided for noncommercial loan categories using historical loss factors applied to the total outstanding loan balance of each loan category. Additionally, environmental factors based on national and local economic conditions, as well as portfolio-specific attributes, are considered in estimating the allowance for loan losses.
	Although management uses the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if future economic conditions differ substantially from the assumptions used in making the valuations or, if required by regulators, based upon information available to them at the time of their examinations. Such adjustments to original estimates, as necessary, are made in the period in which these factors and other relevant considerations indicate that loss levels may vary from previous estimates.
	Securities available-for-sale and certain mortgage loans held for sale are recorded at fair value on a recurring basis. From time to time, certain assets, consisting primarily of other real estate owned and impaired loans, may be recorded at fair value on a non-recurring basis. These non-recurring fair value adjustments typically are a result of the application of lower of cost or fair value accounting or a write-down occurring during the period. For example, if the fair value of an asset in these categories falls below its cost basis, it is considered to be at fair value at the end of the period of the adjustment. In periods where there is no adjustment, the asset is generally not considered to be at fair value. Management believes this is a critical accounting policy because the estimation of fair value involves a high degree of complexity and requires us to make subjective judgments that often require assumptions or estimates about various matters.

Use_Of_Estimates

Use Of Estimates	9 Months Ended
Use Of Estimates	Sep. 30, 2013
Use Of Estimates [Abstract]	'
Use Of Estimates	'
	Note 2 – Use of Estimates
	To prepare financial statements in conformity with GAAP management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. In particular, the allowance for loan losses, valuation of other real estate owned, and fair values of financial instruments are subject to change.

Income_Per_Share

Income Per Share	9 Months Ended
Income Per Share	Sep. 30, 2013
Income Per Share [Abstract]	'
Income Per Share	'
	Note 3 – Income per share
	Basic EPS excludes dilution and is computed by dividing net income available to common shareholders by the weighted-average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock, or resulted in the issuance of common stock that then shared in the earnings of the entity.
	The basic and diluted income per share calculations are as follows:


			Three Months Ended				Nine Months Ended
			September 30,				September 30,
			(in thousands,				( in thousands,
			except per share amounts)				except per share amounts)
		2013		2012		2013		2012

	Net income available to common stockholders	$	991	$	743	$	2,616	$	-7,058
	Weighted average number of shares outstanding		12,034		11,885		11,978		7,623
	Net income per common share - basic	$	0.08	$	0.06	$	0.22	$	-0.93

	Effect of dilutive securities:

	Weighted average number of common shares outstanding		12,034		11,885		11,978		7,623
	Effect of stock options and warrants		2,099		-		1,830		-
	Diluted average common shares outstanding		14,133		11,885		13,808		7,623
	Net income per common share - assuming dilution	$	0.07	$	0.06	$	0.19	$	-0.93


	The Company has excluded options convertible into 315 thousand shares of common stock for the three and nine months ended September 30, 2013, from the calculation of diluted earnings per share because they were anti-dilutive since the strike price was greater than the average market price during all periods. The Company has excluded options and warrants convertible into 596 thousand and 5.1 million shares of stock for the three and nine months ended September 30, 2012, respectively, from the calculation of diluted earnings per share because they were anti-dilutive in all periods except for the three months ended September 30, 2012 due to the Company’s net loss in those periods. The Company excluded 348 thousand shares of restricted common stock for the three and nine months ended September 30, 2013, since the shares were outstanding but were not vested.

Stock_Options

Stock Options	9 Months Ended
Stock Options	Sep. 30, 2013
Stock Options [Abstract]	'
Stock Options	'
	Note 4 – Stock Options
	Accounting standards require the Company to measure compensation cost for all stock-based awards at fair value on the date of grant and recognizes compensation expense in the consolidated statements of operations over the service period that the awards are expected to vest.
	The stock based compensation, in thousands, expensed during the three and nine months ended September 30, 2013, was $111 thousand and $344 thousand, respectively, and the amount expensed during the three and nine months ended September 30, 2012, was $34 and $90, respectively. Expensed amounts are included in salaries and employee benefits.

Investment_Securities

Investment Securities	9 Months Ended
Investment Securities	Sep. 30, 2013
Investment Securities [Abstract]	'
Investment Securities	'
	Note 5 – Investment Securities
	The amortized costs, gross unrealized gains, gross unrealized losses, and fair values for securities are as follows:



			30-Sep-13
		Amortized			Gross Unrealized						Fair
		Costs			Gains			Losses			Values

			(Dollars in thousands)
	Available-for-sale
	U.S. Government agencies	$	-		$	-		$	-		$	-
	Mortgage-backed securities		21,628			287			240			21,675
	Corporate bonds		5,996			36			57			5,975
	Collateralized mortgage obligation securities		31,462			625			84			32,003
	State and political subdivisions - taxable		15,115			123			638			14,600
	State and political subdivisions - tax exempt		2,023			106			-			2,129
	SBA - Guarantee portion		-			-			-			-
		$	76,224		$	1,177		$	1,019		$	76,382



			31-Dec-12
		Amortized			Gross Unrealized						Fair
		Costs			Gains			Losses			Values

			(Dollars in thousands)
	Available-for-sale
	U.S. Government agencies	$	-		$	-		$	-		$	-
	Mortgage-backed securities		11,563			476			4			12,035
	Corporate bonds		16,708			114			123			16,699
	Collateralized mortgage obligation securities		36,996			945			10			37,931
	State and political subdivisions - taxable		15,247			684			122			15,809
	State and political subdivisions - tax exempt		2,862			179			-			3,041
	SBA - Guarantee portion		1,271			39			-			1,310
		$	84,647		$	2,437		$	259		$	86,825








		30-Sep-13
		Amortized			Gross Unrealized						Fair
		Costs			Gains			Losses			Values

	Held-to-maturity		(Dollars in thousands)
	Tax-exempt municipal bonds	$	2,876		$	155		$	2		$	3,029
		$	2,876		$	155		$	2		$	3,029



		31-Dec-12
		Amortized			Gross Unrealized						Fair
		Costs			Gains			Losses			Values

	Held-to-maturity		(Dollars in thousands)
	Tax-exempt municipal bonds	$	2,880		$	345		$	-		$	3,225
		$	2,880		$	345		$	-		$	3,225

	Management’s assessment for the current quarter ended September 30, 2013, resulted in no recognition of other than temporary impairment (“OTTI”).
The following table summarizes securities with unrealized losses at September 30, 2013, and December 31, 2012, aggregated by major security type and length of time in a continuous unrealized loss position. The unrealized losses are largely due to changes in interest rates and other market conditions. At September 30, 2013, 34 out of 136 securities the Company held had fair values less than amortized cost primarily in municipal securities and corporate bonds. At December 31, 2012, 17 out of 139 securities the Company held had fair values less than amortized cost primarily in municipal securities and corporate bonds. All unrealized losses are considered by management to be temporary given investment security credit ratings, the short duration of the unrealized losses, the intent and ability to retain these securities for a period of time sufficient to recover all unrealized losses, and the fact it is unlikely that we will be required to sell the securities before their anticipated recovery.


	30-Sep-13
	Less than 12 Months						12 Months or More						Total
	Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
	Value			Losses			Value			Losses			Value		Losses

		(Dollars in thousands)
Assets:
U.S. Government agencies	$	-		$	-		$	-		$	-		$	-	$	-
Mortgage-backed securities		11,139			240			-			-			11,139		240
Corporate bonds		-			-			1,940			57			1,940		57
CMO securities		7,600			84			-			-			7,600		84
State & political subdivisions-taxable		9,037			638			-			-			9,037		638
State & political subdivisions-tax exempt		-			-			-			-			-		-
SBA		-			-			-			-			-		-
All securities	$	27,776		$	962		$	1,940		$	57		$	29,716	$	1,019



	31-Dec-12
	Less than 12 Months						12 Months or More						Total
	Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
	Value			Losses			Value			Losses			Value		Losses

		(Dollars in thousands)
Assets:
U.S. Government agencies	$	-		$	-		$	-		$	-		$	-	$	-
Mortgage-backed securities		1,011			4			-			-			1,011		4
Corporate bonds		964			32			4,908			91			5,872		123
CMO securities		611			10			-			-			611		10
State & political subdivisions-taxable		4,807			122			-			-			4,807		122
State & political subdivisions-tax exempt		-			-			-			-			-		-
SBA		-			-			-			-			-		-
All securities	$	7,393		$	168		$	4,908		$	91		$	12,301	$	259

Restricted equity securities consist primarily of Federal Home Loan Bank of Atlanta stock in the amount of $2.0 million and $1.9 million as of September 30, 2013, and December 31, 2012, respectively, and Federal Reserve Bank stock in the amount of $1.5 million at September 30, 2013, and December 31, 2012. Restricted equity securities are carried at cost. The Federal Home Loan Bank requires the Bank to maintain stock in an amount equal to 4.5% of outstanding borrowings and a specific percentage of the member’s total assets. The Federal Reserve Bank of Richmond requires the Company to maintain stock with a par value equal to 3% of its outstanding capital.
Securities with a carrying value of approximately $916 thousand and $871 thousand were pledged as collateral at September 30, 2013, and December 31, 2012, respectively, to secure purchases of federal funds, repurchase agreements, and collateral for customer’s deposits.

Loans

Loans	9 Months Ended
Loans	Sep. 30, 2013
Loans [Abstract]	'
Loans	'

	Note 6 – Loans
	Major classifications of loans are as follows:


		September 30,			December 31,
		2013			2012

			(Dollars in thousands)

	Real estate
	Residential	$	140,510		$	131,144
	Commercial		161,399			144,034
	Residential Construction		20,625			13,202
	Other Construction, Land
	Development & Other Land		42,967			45,053
	Commercial		49,978			40,423
	Consumer		1,757			2,215
	Total loans		417,236			376,071
	Less:
	Allowance for loan losses		8,591			7,269
	Net deferred (fees) costs		-40			118
	Loans, net	$	408,605		$	368,920

	A summary of risk characteristics by loan portfolio classification follows:
	Real Estate – Residential – This portfolio primarily consists of investor loans secured by properties in the Bank’s normal lending area. These investor loans are typically five year rate adjustment loans and they generally have an original loan-to-value (“LTV”) of 80% or less. This category also includes home equity lines of credit (“HELOC”). The HELOCs generally have an adjustable rate tied to prime rate and a term of 10 years. Given the declining value of residential properties over the past several years, these loans possess a higher than average level of risk of loss to the bank. Multifamily residential real estate is moderately seasoned and is generally secured by properties in the Bank’s normal lending area.
	Real Estate – Commercial – This portfolio consists of nonresidential improved real estate, which includes shopping centers, office buildings, etc. These properties are generally located in the Bank’s normal lending area. Decreased rental income due to the economic slowdown has caused some deterioration in values. As a result, this category of loans has a higher than average level of risk.
	Real Estate – Residential Construction – This portfolio has changed significantly over the past several years as fewer construction loans have been made during the economic downtown. These loans are located in the Bank’s normal lending area.
	Real Estate – Other Construction, Land Development and Other Land Loans – This portfolio includes raw undeveloped land and developed residential and commercial lots held by developers. Given the significant decline in value for both developed and undeveloped land due to reduced demand, this portfolio possesses an increased level of risk compared to other loan portfolios. Continuing deterioration in demand could result in significant decreases in the underlying collateral values and make repayment of the outstanding loans more difficult for customers.
	Commercial – These loans include loans to businesses that are not secured by real estate. These loans are typically secured by accounts receivable, inventory, equipment, etc. Commercial loans are typically granted to local businesses that have a strong track record of profitability and performance.
	Consumer – Loans in this portfolio are either unsecured or secured by automobiles, marketable securities, etc. They are generally granted to local customers that have a banking relationship with our Bank.
	Activity in the allowance for loan losses for the nine months ended is as follows:


		September 30,
		2013				2012

		(Dollars in thousands)

	Balance, beginning of period	$	7,269			$	9,271
	Provision for loan losses		14				9,031
	Recoveries		3,247				338
	Charge-offs		-1,939				-11,432
	Balance, end of period	$	8,591			$	7,208
	Ratio of allowance for loan
	losses as a percent of loans
	outstanding at the end of the period		2.06	%			1.97	%


	The following table presents activity in the allowance for loan losses by portfolio segment:



		Three Months Ended
		Real Estate
										Other
										Construction
										Land Devel.
								Residential		& Other
		Residential			Commercial			Construction		Land		Commercial		Consumer		Total

			(Dollars in thousands)

Balance, July 1, 2013	$	2,858		$	3,493		$	475	$	744	$	996	$	16	$	8,582
Provision for loan losses		82			31			84		-154		-128		-1		-86
Recoveries		9			-			1		100		1		-		111
Charge-offs		-			-			-		-16		-		-		-16
Balance, September 30, 2013	$	2,949		$	3,524		$	560	$	674	$	869	$	15	$	8,591

Balance, July 1, 2012	$	2,580		$	3,156		$	203	$	477	$	816	$	21	$	7,253
Provision for loan losses		62			-21			-2		284		-163		-4		156
Recoveries		130			-			-		-		109		-		239
Charge-offs		-144			-			-		-296		-		-		-440
Balance, September 30, 2012	$	2,628		$	3,135		$	201	$	465	$	762	$	17	$	7,208



	Nine Months Ended
	Real Estate
									Other
									Construction
									Land Devel.
							Residential		& Other
	Residential			Commercial			Construction		Land		Commercial		Consumer		Total

		(Dollars in thousands)
Balance, January 1, 2013	$	2,654		$	2,947		$	284	$	606	$	762	$	16	$	7,269
Provision for loan losses		435			-88			-561		-30		259		-1		14
Recoveries		16			998			905		1,324		4		-		3,247
Charge-offs		-156			-333			-68		-1,226		-156		-		-1,939
Balance, September 30, 2013	$	2,949		$	3,524		$	560	$	674	$	869	$	15	$	8,591

Balance, January 1, 2012	$	3,680		$	1,375		$	650	$	2,175	$	1,370	$	21	$	9,271
Provision for loan losses		1,301			4,262			969		2,138		365		-4		9,031
Recoveries		134			78			-		17		109		-		338
Charge-offs		-2,487			-2,580			-1,418		-3,865		-1,082		-		-11,432
Balance, September 30, 2012	$	2,628		$	3,135		$	201	$	465	$	762	$	17	$	7,208

The charging off of uncollectible loans is determined on a case-by-case basis. Determination of a collateral shortfall, prospects for recovery, delinquency, and the financial resources of the borrower and any guarantor are all considered in determining whether to charge-off a loan. Closed-end retail loans that become past due 120 cumulative days and open-end retail loans that become past due 180 cumulative days from the contractual due date will be charged off.
The following table presents the aging of unpaid principal in loans as of September 30, 2013 and December 31, 2012:


	30-Sep-13
				90+ Days
	30-89 Day			Past Due
	Past Due			and Accruing			Nonaccrual		Current		Total

		(Dollars in thousands)
Real estate
Residential	$	574		$	-		$	2,160	$	137,776	$	140,510
Commercial		91			-			494		160,814		161,399
Residential Construction		-			-			443		20,182		20,625
Other Construction, Land
Development & Other Land		-			-			463		42,504		42,967
Commercial		-			-			373		49,605		49,978
Consumer		-			-			-		1,757		1,757
Total	$	665		$	-		$	3,933	$	412,638	$	417,236




	31-Dec-12
				90+ Days
	30-89 Day			Past Due
	Past Due			and Accruing			Nonaccrual		Current		Total

		(Dollars in thousands)
Real estate
Residential	$	1,752		$	-		$	2,005	$	127,387	$	131,144
Commercial		198			1,338			810		141,688		144,034
Residential Construction		-			-			1,255		11,947		13,202
Other Construction, Land
Development & Other Land		28			-			3,406		41,619		45,053
Commercial		-			-			538		39,885		40,423
Consumer		79			-			-		2,136		2,215
Total	$	2,057		$	1,338		$	8,014	$	364,662	$	376,071

Loans are determined past due or delinquent based on the contractual terms of the loan. Payments past due 30 days or more are considered delinquent. The accrual of interest is generally discontinued at the time the loan is 90 days delinquent, unless the credit is well-secured and in process of collection. In all cases, loans are placed on nonaccrual at an earlier date if collection of principal or interest is considered doubtful or charged-off if a loss is considered imminent.
All interest accrued but not collected for loans that are placed on nonaccrual is reversed against interest income when the loan is placed on nonaccrual status. Because of the uncertainty of the expected cash flows, the Company accounts for nonaccrual loans under the cost recovery method, under which all cash payments are applied to principal. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future collection of principal and interest are reasonably assured. The number of payments needed to meet this criteria varies from loan to loan. However, as a general rule, this criteria will be considered to have been met with the timely payment of six consecutive regularly scheduled monthly payments.
The following table provides details of the Company’s loan portfolio internally assigned grade at September 30, 2013 and December 31, 2012:


	30-Sep-13
				Special
	Pass			Mention			Substandard		Doubtful		Loss		Total

		(Dollars in thousands)
Real estate
Residential	$	128,769		$	7,552		$	4,189	$	-	$	-	$	140,510
Commercial		152,865			5,295			3,239		-		-		161,399
Residential Construction		16,331			2,911			1,383		-		-		20,625
Other Construction, Land
Development & Other Land		32,182			6,693			4,092		-		-		42,967
Commercial		48,152			862			964		-		-		49,978
Consumer		1,695			62			-		-		-		1,757
Total	$	379,994		$	23,375		$	13,867	$	-	$	-	$	417,236



		31-Dec-12
				Special
	Pass			Mention			Substandard		Doubtful		Loss		Total

		(Dollars in thousands)
Real estate
Residential	$	117,996		$	8,895		$	4,253	$	-	$	-	$	131,144
Commercial		126,220			14,131			3,683		-		-		144,034
Residential Construction		8,123			2,515			2,564		-		-		13,202
Other Construction, Land
Development & Other Land		25,857			10,713			8,483		-		-		45,053
Commercial		38,295			962			1,166		-		-		40,423
Consumer		2,049			88			78		-		-		2,215
Total	$	318,540		$	37,304		$	20,227	$	-	$	-	$	376,071

These credit quality indicators are defined as follows:
Pass – A “pass” rated asset is not adversely classified because it does not display any of the characteristics for adverse classification.
Special Mention – A “special mention” asset has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification.
Substandard – A “substandard” asset is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Assets classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These assets are characterized by the distinct possibility of loss if the deficiencies are not corrected.
Doubtful – An asset classified “doubtful” has all the weaknesses inherent in an asset classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions, and values.
Loss – Assets classified “loss” are considered uncollectible and of such little value that their continuing to be carried as an asset is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.
The loan risk rankings were updated for the quarter ended September 30, 2013 on September 25 and 26, 2013. The loan risk rankings were updated for the year ended December 31, 2012 on December 13, 2012.
The following table provides details regarding impaired loans by segment and class at September 30, 2013 and December 31, 2012:








	30-Sep-13								31-Dec-12
				Unpaid							Unpaid
	Recorded			Principal			Related		Recorded		Principal		Related
	Investment			Balance			Allowance		Investment		Balance		Allowance

	(Dollars in thousands)
With no related allowance:
Real estate
Residential	$	2,160		$	2,665		$	-	$	2,184	$	2,522	$	-
Commercial		494			841			-		810		3,570		-
Residential Construction		443			520			-		1,255		1,974		-
Other Construction, Land
Development & Other Land		2,412			4,148			-		5,428		14,050		-
Commercial		373			961			-		538		1,071		-
Consumer		-			-			-		-		-		-
Total	$	5,882		$	9,135		$	-	$	10,215	$	23,187	$	-

With an allowance:
Real estate
Residential	$	-		$	-		$	-	$	-	$	-	$	-
Commercial		-			-			-		-		-		-
Residential Construction		-			-			-		-		-		-
Other Construction, Land
Development & Other Land		-			-			-		-		-		-
Commercial		-			-			-		-		-		-
Consumer		-			-			-		-		-		-
Total	$	-		$	-		$	-	$	-	$	-	$	-

Total
Real estate
Residential	$	2,160		$	2,665		$	-	$	2,184	$	2,522	$	-
Commercial		494			841			-		810		3,570		-
Residential Construction		443			520			-		1,255		1,974		-
Other Construction, Land
Development & Other Land		2,412			4,148			-		5,428		14,050		-
Commercial		373			961			-		538		1,071		-
Consumer		-			-			-		-		-		-
Total	$	5,882		$	9,135		$	-	$	10,215	$	23,187	$	-

The following table provides details of the balance of the allowance for loan losses and the recorded investment in financing receivables by impairment method for each loan portfolio segment:






		Real Estate
										Other
										Construction,
										Land Devel.
								Residential		& Other
		Residential			Commercial			Construction		Land		Commercial		Consumer		Total

		(Dollars in thousands)
30-Sep-13
Allowance for loan losses, evaluated
Individually	$	-		$	-		$	-	$	-	$	-	$	-	$	-
Collectively		2,949			3,524			560		674		869		15		8,591
Total ending allowance	$	2,949		$	3,524		$	560	$	674	$	869	$	15	$	8,591

Loans, evaluated
Individually	$	2,160		$	494		$	443	$	2,412	$	373	$	-	$	5,882
Collectively		138,350			160,905			20,182		40,555		49,605		1,757		411,354
Total ending loans	$	140,510		$	161,399		$	20,625	$	42,967	$	49,978	$	1,757	$	417,236

31-Dec-12
Allowance for loan losses, evaluated
Individually	$	-		$	-		$	-	$	-	$	-	$	-	$	-
Collectively		2,654			2,947			284		606		762		16		7,269
Total ending allowance	$	2,654		$	2,947		$	284	$	606	$	762	$	16	$	7,269

Loans, evaluated
Individually	$	2,184		$	810		$	1,255	$	5,428	$	538	$	-	$	10,215
Collectively		128,960			143,224			11,947		39,625		39,885		2,215		365,856
Total ending loans	$	131,144		$	144,034		$	13,202	$	45,053	$	40,423	$	2,215	$	376,071

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal and interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining whether a loan is impaired include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Additionally, management’s policy is generally to evaluate only those substandard loans greater than $250 thousand for impairment as these are considered to be individually significant in relation to the size of the loan portfolio. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. The following tables present interest income recognized and the average recorded investment of impaired loans.





	Three Months Ended						Nine Months Ended
	30-Sep-13						30-Sep-13
	Interest			Average			Interest		Average
	Income			Recorded			Income		Recorded
	Recognized			Investment			Recognized		Investment

		(Dollars in thousands)						(Dollars in thousands)

Real estate
Residential	$	73		$	1,806		$	126	$	1,817
Commercial		26			510			45		654
Residential Construction		2			646			-		883
Other Construction, Land
Development & Other Land		84			3,146			144		4,148
Commercial		3			376			5		430
Consumer		-			-			-		-
Total	$	188		$	6,484		$	320	$	7,932



	Three Months Ended						Nine Months Ended
	30-Sep-12						30-Sep-12
	Interest			Average			Interest		Average
	Income			Recorded			Income		Recorded
	Recognized			Investment			Recognized		Investment

		(Dollars in thousands)						(Dollars in thousands)

Real estate
Residential	$	13		$	2,460		$	34	$	3,959
Commercial		19			1,152			39		1,935
Residential Construction		22			2,612			63		2,346
Other Construction, Land
Development & Other Land		23			6,405			186		7,630
Commercial		3			751			-		851
Consumer		-			-			-		353
Total	$	80		$	13,380		$	322	$	17,074

Cash payments received on impaired loans are applied on a cash basis with all cash receipts applied first to principal and any payments received in excess of the unpaid principal balance being applied to interest.
Troubled Debt Restructurings
The Company adopted the amendments in Accounting Standards Update (“ASU”) No. 2011-02 during the period ended September 30, 2011. As required, the Company reassessed all restructurings that occurred on or after the beginning of the then current fiscal year (January 1, 2011) for identification as troubled debt restructurings. The Company identified as troubled debt restructurings certain receivables for which the allowance for credit losses had previously been measured under a general allowance for credit losses methodology (ASC 450-20). Upon identifying the reassessed receivables as troubled debt restructurings, the Company also identified them as impaired under the guidance in ASC 310-10-35. The amendments in Accounting Standards Update No. 2011-02 require prospective application of the impairment measurement guidance in Section 310-10-35 for those receivables newly identified as impaired. At the end of the first interim period of adoption for the Company (September 30, 2011), the Company determined that there were no receivables for which the allowance for credit losses was previously measured under a general allowance for credit losses methodology and are now impaired under Section 310-10-35.
Modification Categories
The Company offers a variety of modifications to borrowers. The modification categories offered can generally be described in the following categories:
Rate Modification - A modification in which the interest rate is changed.
Term Modification - A modification in which the maturity date, timing of payments, or frequency of payments is changed.
Interest Only Modification – A modification in which the loan is converted to interest only payments for a period of time.
Payment Modification – A modification in which the dollar amount of the payment is changed, other than an interest only modification described above.
Combination Modification – Any other type of modification, including the use of multiple categories above.
As of September 30, 2013 and December 31, 2012, there were no available commitments outstanding for troubled debt restructurings.
The following tables present troubled debt restructurings as of September 30, 2013 and December 31, 2012:



	30-Sep-13
	Total
	Number			Accrual			Nonaccrual		Total
	of Contracts			Status			Status		Modifications

		(Dollars in thousands)

Real estate
Residential		1		$	-		$	114	$	114
Commercial		-			-			-		-
Residential Construction		-			-			-		-
Other Construction, Land
Development & Other Land		3			1,949			93		2,042
Commercial		-			-			-		-
Consumer		-			-			-		-
Total		4		$	1,949		$	207	$	2,156






	31-Dec-12
	Total
	Number			Accrual			Nonaccrual		Total
	of Contracts			Status			Status		Modifications

		(Dollars in thousands)

Real estate
Residential		1		$	179		$	-	$	179
Commercial		-			-			-		-
Residential Construction		-			-			-		-
Other Construction, Land
Development & Other Land		4			2,022			98		2,120
Commercial		-			-			-		-
Consumer		-			-			-		-
Total		5		$	2,201		$	98	$	2,299

Loans reviewed for consideration of modification are reviewed for potential impairment at the time of the restructuring. Any identified impairment is recognized as a reduction in the allowance.
There were no newly restructured loans that occurred during the three or nine months ended September 30, 2013 or 2012 or financing receivables modified as troubled debt restructurings and with a payment default, with the payment default occurring within 12 months of the restructure date, and the payment default occurring during the three and nine month periods ended September 30, 2013. The following tables represent financing receivables modified as troubled debt restructurings and with a payment default, with the payment default occurring within 12 months of the restructure date, and the payment default occurring during the three and nine month periods ended September 30 2012:



		Three Months Ended						Nine Months Ended
		30-Sep-12						30-Sep-12
		Number			Recorded			Number		Recorded
		of Contracts			Investment			of Contracts		Investment

		(Dollars in thousands)						(Dollars in thousands)
Real estate
Residential		-		$	-			1	$	286
Commercial		-			-			-		-
Residential Construction		-			-			-		-
Other Construction, Land
Development & Other Land		-			-			-		-
Commercial		-			-			-		-
Consumer		-						-
Total		-		$	-			1	$	286

Other_Real_Estate_Owned

Other Real Estate Owned	9 Months Ended
Other Real Estate Owned	Sep. 30, 2013
Other Real Estate Owned [Abstract]	'
Other Real Estate Owned	'
	Note 7 – Other Real Estate Owned
	Changes in other real estate owned were as follows for the periods indicated:


		Nine Months Ended
		September 30,
		2013		2012

		(dollars in thousands)

	Beginning Balance	$	3,771	$	7,646
	Additions		3,130		174
	Sales		-4,195		-1,705
	Write-downs		-104		-1,613
	Ending Balance	$	2,602	$	4,502

Fair_Value_Disclosures

Fair Value Disclosures	9 Months Ended
Fair Value Disclosures	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures	'
	Note 8 – Fair Value Disclosures
	The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the Fair Value Measurements and Disclosures topic ASC 825, the fair value of a financial instrument is the price that would be received in the sale of an asset or paid to transfer the liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.
	The recent fair value guidance provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value of a reasonable point within this range is most representative of fair value under current market conditions.
	Fair Value Hierarchy
	In accordance with this guidance, financial assets and financial liabilities are generally grouped based on fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine the fair value.
	Level 1 – Valuation is based on quoted prices in active markets for identical assets or liabilities in active markets at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities.
	Level 2 – Valuation is based on inputs other than quoted prices included within level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market date for substantially the full term of the asset or liability.
	Level 3 – Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flows methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation.
	Following is a description of the valuation methodologies used for instruments measured as fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy:
	Securities available for sale: Securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar securities for which significant assumptions are derived primarily from or corroborated by observable market data. Third party vendors compile prices from various sources and may determine the fair value of identical or similar securities by using pricing models that consider observable market data (Level 2). We obtain a single quote for all securities. Quotes for all of our securities are provided by our securities accounting and safekeeping correspondent bank, which performs a review of pricing data by comparing prices received from third party vendors to the previous month’s quote for the same security and evaluates any substantial changes.
	The following tables present the balances of financial assets and liabilities measured at fair value on a recurring basis as of September 30, 2013, and December 31, 2012. Securities identified in Note 5 as restricted securities including stock in the Federal Home Loan Bank of Atlanta and the Federal Reserve Bank are excluded from the table below because there is no ability to sell these securities except when the FHLB or FRB require redemption based on either our borrowings at the FHLB, or, in the case of the FRB, changes in certain portions of our capital.


		30-Sep-13
		Fair Value Measurements Using									Fair
		Level 1			Level 2			Level 3			Values

		(Dollars in thousands)
	Assets:
	Available-for-sale securities	$	-		$	76,382		$	-		$	76,382



		31-Dec-12
		Fair Value Measurements Using									Fair
		Level 1			Level 2			Level 3			Values

		(Dollars in thousands)
	Assets:
	Available-for-sale securities	$	-		$	86,825		$	-		$	86,825

	Certain assets are measured at fair value on a nonrecurring basis in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of lower-of-cost-or-market accounting or write-downs of individual loans.
	The following describes the valuation techniques used to measure certain assets recorded at fair value on a nonrecurring basis in the financial statements.
	Impaired Loans: Loans are designated as impaired when, in the judgment of management, based on current information and events, it is probable that all amounts when due according to the contractual terms of the loan agreement will not be collected. The measurement of loss associated with impaired loans can be based on either the observable market price of the loan or the fair value of the collateral. Fair value is measured based on the value of the collateral securing the loans. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is determined utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed external appraiser using observable market data (Level 3). However, if the collateral is a house or building in the process of construction or if an appraisal of the real estate property is over two years old, then the fair value is considered Level 3. If a real estate loan becomes a nonperforming loan, or if the valuation is over one year old, either an evaluation by an officer of the bank or an outside vendor, or an appraisal, is performed to determine current market value. We consider the value of a partially completed project for our loan analysis. For nonperforming construction loans, we obtain a valuation of each partially completed project “as is” from a third party appraiser. We use this third party valuation to determine if any charge-offs are necessary.
	The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business’ financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivable collateral are based on financial statement balances or aging reports (Level 3). Impaired loans allocated to the allowance for loan losses are measured at fair value on a nonrecurring basis and the discount to reflect current market conditions ranged from 0% to 30% for each of the respective periods. Any fair value adjustments are recorded in the period incurred as provision for loan losses on the consolidated statements of operations.
	Loans held for sale: The fair value of loans held for sale is determined using quoted secondary-market prices. As such, loans subjected to nonrecurring fair value adjustments are classified as Level 2.
	Other Real Estate Owned: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Such appraisals may be discounted for current market conditions which ranged from 0% to 30% for each of the respective periods.
	The following tables summarize our financial assets that were measured at fair value on a nonrecurring basis during the periods noted.


		30-Sep-13
		Fair Value Measurements Using									Fair
		Level 1			Level 2			Level 3			Values

		(Dollars in thousands)
	Impaired loans	$	-		$	-		$	5,882		$	5,882
	Loans held for sale		-			1,255			-			1,255
	Other real estate owned		-			-			2,602			2,602
	Total	$	-		$	1,255		$	8,484		$	9,739



		31-Dec-12
		Fair Value Measurements Using									Fair
		Level 1			Level 2			Level 3			Values

		(Dollars in thousands)
	Impaired loans	$	-		$	-		$	10,215		$	10,215
	Loans held for sale		-			9,912			-			9,912
	Other real estate owned		-			-			3,771			3,771
	Total	$	-		$	9,912		$	13,986		$	23,898

	The methods and assumptions, not previously presented, used by the Company in estimating fair values are disclosed as follows:
Cash and cash equivalents – The carrying amounts of cash and cash equivalents approximate their fair value.
Loans receivable – Fair values are based on carrying values for variable-rate loans that reprice frequently and have no significant change in credit risk. Fair values for certain mortgage loans (for example, one-to-four family residential) and other consumer loans are based on quoted market prices of similar loans sold in conjunction with securitization transactions, adjusted for differences in loan characteristics. Fair values for commercial real estate and commercial loans are estimated using discounted cash flow analyses and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. The interest rates on loans at September 30, 2013 and December 31, 2012 are current market rates for their respective terms and associated credit risk.
Loans held for sale—Loans held for sale are carried at the lower of cost or market value. These loans currently consist of residential real estate, owner occupied loans originated for sale in the secondary market. Fair value is based on the price secondary markets are currently offering for similar loans using observable market data which is not materially different from cost due to the short duration between origination and sale (Level 2). As such, the Company records any fair value adjustments on a nonrecurring basis. No nonrecurring fair value adjustments were recorded on loans held for sale during the periods ended September 30, 2013 and December 31, 2012. Gains and losses on the sale of loans are recorded within income on the consolidated statements of operations.
Deposits – The fair values disclosed for demand deposits are, by definition, equal to the amount payable on demand at the reporting date (that is, their carrying amounts). The carrying amounts of variable-rate, fixed-term money market accounts approximate their fair values at the reporting date. Fair values for fixed-rate CDs are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits.
Accrued interest – The carrying amounts of accrued interest approximate fair value.
Advances from Federal Home Loan Bank – The carrying value of advances from the Federal Home Loan Bank due within ninety days from the balance sheet date approximate fair value. Fair values for convertible advances are estimated using a discounted cash flow calculation that applies interest rates currently being offered on convertible advances with similar remaining maturities.
Repurchase agreements – The carrying value of repurchase agreements due within ninety days from the balance sheet date approximate fair value.
Subordinated Debt – The values of our subordinated debt are variable rate instruments that re-price on a quarterly basis, therefore, carrying value is adjusted for the three month repricing lag in order to approximate fair value.
Bank Owned Life Insurance – The carrying value of life insurance approximates fair value because this investment is carried at cash surrender value, as determined by the insurer.
Off-balance-sheet instruments – Fair values for off-balance-sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and counterparties’ credit standings. These are not deemed to be material at September 30, 2013, and December 31, 2012.
The estimated fair values of the Company’s financial instruments as of September 30, 2013, and December 31, 2012 are as follows:



	30-Sep-13						31-Dec-12
	Carrying			Fair			Carrying			Fair
	Amount			Value			Amount			Value

	(Dollars in thousands)						(Dollars in thousands)
Financial assets
Cash and cash equivalents	$	12,057		$	12,057		$	35,321		$	35,321
Investment securities		79,258			79,411			89,705			90,050
Loans receivable, net		408,605			402,672			368,920			367,217
Loans held for sale		1,255			1,261			9,912			9,962
Accrued interest		1,726			1,726			1,807			1,807
BOLI		9,499			9,499			9,251			9,251

Financial liabilities
Deposits	$	446,871		$	442,018		$	459,113		$	466,390
FHLB advances		30,000			30,270			25,000			25,638
Subordinated debt		7,155			3,577			7,155			3,750
Repurchase agreements		916			916			871			871

The Company assumes interest rate risk (the risk that general interest rate levels will change) as a result of our normal operations. As a result, the fair values of our financial instruments will change when interest rates levels change and that change may be either favorable or unfavorable to us. The Company attempts to match maturities of assets and liabilities to the extent believed necessary to minimize interest rate risk. However, borrowers with fixed rate obligations are less likely to repay in a rising rate environment. Conversely, depositors who are receiving fixed rates are more likely to withdraw funds before maturity in a rising rate environment and less likely to do so in a falling rate environment. The Company monitors rates and maturities of assets and liabilities and attempts to minimize interest rate risk by adjusting terms of new loans and deposits and by investing in securities with terms that mitigate our overall interest rate risk.

Recently_Issued_Accounting_Pro

Recently Issued Accounting Pronouncements	9 Months Ended
	Sep. 30, 2013
Recently Issued Accounting Pronouncements [Abstract]	'
Recently Issued Accounting Pronouncements	'
	Note 9 – Recently Issued Accounting Pronouncements
	On February 5, 2013, the Financial Accounting Standards Board (“FASB”) issued ASU No. 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income, which requires the Company to:
	·	Present (either on the face of the statement where net income is presented or in the notes) the effects on the line items of net income of significant amounts reclassified out of accumulated other comprehensive income, but only if the item reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period.
	·	Cross-reference to other disclosures currently required under U.S. GAAP for other reclassification items (that are not required under U.S. GAAP) to be reclassified directly to net income in their entirety in the same reporting period. This would be the case when a portion of the amount reclassified out of accumulated other comprehensive income is initially transferred to a balance sheet account instead of directly to income or expense.
	The amendments are effective for reporting periods beginning after December 15, 2012. The Company does not anticipate that this pronouncement will have a material effect on the financial statements.

	On February 7, 2013, the FASB issued ASU No. 2013-01, Balance Sheet (Topic 210): Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities. ASU 2013-01 clarifies that ordinary trade receivables and receivables are not in the scope of ASU No. 2011-11, Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities. Specifically, ASU 2011-11 applies only to derivatives, repurchase agreements and reverse purchase agreements, and securities borrowing and securities lending transactions that are either offset in accordance with specific criteria contained in the FASB Accounting Standards Codification™ (Codification) or subject to a master netting arrangement or similar agreement.

	The FASB undertook this clarification project in response to concerns expressed by U.S. stakeholders about the standard’s broad definition of financial instruments. After the standard was finalized, companies realized that many contracts have standard commercial provisions that would equate to a master netting arrangement, significantly increasing the cost of compliance at minimal value to financial statement users.

	An entity is required to apply the amendments in ASU 2013-01 for fiscal years beginning on or after January 1, 2013, and interim periods within those annual periods. An entity should provide the required disclosures retrospectively for all comparative periods presented. The effective date is the same as the effective date of ASU 2011-11. The Company does not anticipate that this pronouncement will have a material effect on the financial statements.
	On July 18, 2013, the FASB issued ASU No. 2013-11, Income Taxes (Topic 740): Presentation of an unrecognized tax benefit when a net operating loss carryforward or tax credit carryforward exists. ASU 2013-11 will be effective for reporting periods beginning after December 15, 2013 and clarifies Topic 740. This ASU requires companies to present an unrecognized tax benefit, or portion thereof, for a net operating loss or tax credit carryforward as a reduction of a deferred tax asset. The Company does not expect this ASU to have a material impact to the financial statements.

Preferred_Stock

Preferred Stock	9 Months Ended
Preferred Stock	Sep. 30, 2013
Preferred Stock [Abstract]	'
Preferred Stock	'
	Note 10 –Preferred Stock
	The Preferred Shares have a $4.00 par value, with $1,000 liquidation preference. With 2,000,000 authorized shares, at September 30, 2013, and December 31, 2012, there were 5,531 shares outstanding.

Common_Stock

Common Stock	9 Months Ended
Common Stock	Sep. 30, 2013
Common Stock [Abstract]	'
Common Stock	'
	Note 11—Common Stock
	The Common Stock has a $4.00 par value. With 30,000,000 authorized shares, at September 30, 2013, and December 31, 2012, there were 12,528,196 and 12,274,964 shares outstanding, respectively.

Use_of_Estimates_Policy

Use of Estimates (Policy)	9 Months Ended
Use of Estimates (Policy)	Sep. 30, 2013
Use Of Estimates [Abstract]	'
Use of Estimates	'
	To prepare financial statements in conformity with GAAP management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. In particular, the allowance for loan losses, valuation of other real estate owned, and fair values of financial instruments are subject to change.

Income_Per_Share_Tables

Income Per Share (Tables)	9 Months Ended
Income Per Share (Tables)	Sep. 30, 2013
Income Per Share [Abstract]	'
Basic And Diluted Income Per Share Calculations	'

			Three Months Ended				Nine Months Ended
			September 30,				September 30,
			(in thousands,				( in thousands,
			except per share amounts)				except per share amounts)
		2013		2012		2013		2012

	Net income available to common stockholders	$	991	$	743	$	2,616	$	-7,058
	Weighted average number of shares outstanding		12,034		11,885		11,978		7,623
	Net income per common share - basic	$	0.08	$	0.06	$	0.22	$	-0.93

	Effect of dilutive securities:

	Weighted average number of common shares outstanding		12,034		11,885		11,978		7,623
	Effect of stock options and warrants		2,099		-		1,830		-
	Diluted average common shares outstanding		14,133		11,885		13,808		7,623
	Net income per common share - assuming dilution	$	0.07	$	0.06	$	0.19	$	-0.93

Investment_Securities_Tables

Investment Securities (Tables)	9 Months Ended
Investment Securities (Tables)	Sep. 30, 2013
Investment Securities [Abstract]	'
Amortized Costs, Gross Unrealized Gains, Gross Unrealized Losses And Fair Values Of Securities	'


			30-Sep-13
		Amortized		Gross Unrealized				Fair
		Costs		Gains		Losses		Values

			(Dollars in thousands)
	Available-for-sale
	U.S. Government agencies	$	-	$	-	$	-	$	-
	Mortgage-backed securities		21,628		287		240		21,675
	Corporate bonds		5,996		36		57		5,975
	Collateralized mortgage obligation securities		31,462		625		84		32,003
	State and political subdivisions - taxable		15,115		123		638		14,600
	State and political subdivisions - tax exempt		2,023		106		-		2,129
	SBA - Guarantee portion		-		-		-		-
		$	76,224	$	1,177	$	1,019	$	76,382



			31-Dec-12
		Amortized		Gross Unrealized				Fair
		Costs		Gains		Losses		Values

			(Dollars in thousands)
	Available-for-sale
	U.S. Government agencies	$	-	$	-	$	-	$	-
	Mortgage-backed securities		11,563		476		4		12,035
	Corporate bonds		16,708		114		123		16,699
	Collateralized mortgage obligation securities		36,996		945		10		37,931
	State and political subdivisions - taxable		15,247		684		122		15,809
	State and political subdivisions - tax exempt		2,862		179		-		3,041
	SBA - Guarantee portion		1,271		39		-		1,310
		$	84,647	$	2,437	$	259	$	86,825


Amortized Costs, Gross Unrealized Gains, Gross Unrealized Losses And Fair Values Of Held To Maturity Securities	'


		30-Sep-13
		Amortized		Gross Unrealized				Fair
		Costs		Gains		Losses		Values

	Held-to-maturity		(Dollars in thousands)
	Tax-exempt municipal bonds	$	2,876	$	155	$	2	$	3,029
		$	2,876	$	155	$	2	$	3,029



		31-Dec-12
		Amortized		Gross Unrealized				Fair
		Costs		Gains		Losses		Values

	Held-to-maturity		(Dollars in thousands)
	Tax-exempt municipal bonds	$	2,880	$	345	$	-	$	3,225
		$	2,880	$	345	$	-	$	3,225


Unrealized Loss And Fair Value Of Available-For-Sale Securities	'


		30-Sep-13
		Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses

			(Dollars in thousands)
	Assets:
	U.S. Government agencies	$	-	$	-	$	-	$	-	$	-	$	-
	Mortgage-backed securities		11,139		240		-		-		11,139		240
	Corporate bonds		-		-		1,940		57		1,940		57
	CMO securities		7,600		84		-		-		7,600		84
	State & political subdivisions-taxable		9,037		638		-		-		9,037		638
	State & political subdivisions-tax exempt		-		-		-		-		-		-
	SBA		-		-		-		-		-		-
	All securities	$	27,776	$	962	$	1,940	$	57	$	29,716	$	1,019



		31-Dec-12
		Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses

			(Dollars in thousands)
	Assets:
	U.S. Government agencies	$	-	$	-	$	-	$	-	$	-	$	-
	Mortgage-backed securities		1,011		4		-		-		1,011		4
	Corporate bonds		964		32		4,908		91		5,872		123
	CMO securities		611		10		-		-		611		10
	State & political subdivisions-taxable		4,807		122		-		-		4,807		122
	State & political subdivisions-tax exempt		-		-		-		-		-		-
	SBA		-		-		-		-		-		-
	All securities	$	7,393	$	168	$	4,908	$	91	$	12,301	$	259

Loans_Tables

Loans (Tables)	9 Months Ended
Loans (Tables)	Sep. 30, 2013
Loans [Abstract]	'
Classification Of Loans	'


		September 30,			December 31,
		2013			2012

			(Dollars in thousands)

	Real estate
	Residential	$	140,510		$	131,144
	Commercial		161,399			144,034
	Residential Construction		20,625			13,202
	Other Construction, Land
	Development & Other Land		42,967			45,053
	Commercial		49,978			40,423
	Consumer		1,757			2,215
	Total loans		417,236			376,071
	Less:
	Allowance for loan losses		8,591			7,269
	Net deferred (fees) costs		-40			118
	Loans, net	$	408,605		$	368,920


Allowance For Loan Losses	'


		September 30,
		2013				2012

		(Dollars in thousands)

	Balance, beginning of period	$	7,269			$	9,271
	Provision for loan losses		14				9,031
	Recoveries		3,247				338
	Charge-offs		-1,939				-11,432
	Balance, end of period	$	8,591			$	7,208
	Ratio of allowance for loan
	losses as a percent of loans
	outstanding at the end of the period		2.06	%			1.97	%


Allowance For Loan Losses By Portfolio Segment	'




		Three Months Ended
		Real Estate
										Other
										Construction
										Land Devel.
								Residential		& Other
		Residential			Commercial			Construction		Land		Commercial		Consumer		Total

			(Dollars in thousands)

	Balance, July 1, 2013	$	2,858		$	3,493		$	475	$	744	$	996	$	16	$	8,582
	Provision for loan losses		82			31			84		-154		-128		-1		-86
	Recoveries		9			-			1		100		1		-		111
	Charge-offs		-			-			-		-16		-		-		-16
	Balance, September 30, 2013	$	2,949		$	3,524		$	560	$	674	$	869	$	15	$	8,591

	Balance, July 1, 2012	$	2,580		$	3,156		$	203	$	477	$	816	$	21	$	7,253
	Provision for loan losses		62			-21			-2		284		-163		-4		156
	Recoveries		130			-			-		-		109		-		239
	Charge-offs		-144			-			-		-296		-		-		-440
	Balance, September 30, 2012	$	2,628		$	3,135		$	201	$	465	$	762	$	17	$	7,208



		Nine Months Ended
		Real Estate
										Other
										Construction
										Land Devel.
								Residential		& Other
		Residential			Commercial			Construction		Land		Commercial		Consumer		Total

			(Dollars in thousands)
	Balance, January 1, 2013	$	2,654		$	2,947		$	284	$	606	$	762	$	16	$	7,269
	Provision for loan losses		435			-88			-561		-30		259		-1		14
	Recoveries		16			998			905		1,324		4		-		3,247
	Charge-offs		-156			-333			-68		-1,226		-156		-		-1,939
	Balance, September 30, 2013	$	2,949		$	3,524		$	560	$	674	$	869	$	15	$	8,591

	Balance, January 1, 2012	$	3,680		$	1,375		$	650	$	2,175	$	1,370	$	21	$	9,271
	Provision for loan losses		1,301			4,262			969		2,138		365		-4		9,031
	Recoveries		134			78			-		17		109		-		338
	Charge-offs		-2,487			-2,580			-1,418		-3,865		-1,082		-		-11,432
	Balance, September 30, 2012	$	2,628		$	3,135		$	201	$	465	$	762	$	17	$	7,208


Aging Of Unpaid Principal In Loans	'


		30-Sep-13
					90+ Days
		30-89 Day			Past Due
		Past Due			and Accruing			Nonaccrual		Current		Total

			(Dollars in thousands)
	Real estate
	Residential	$	574		$	-		$	2,160	$	137,776	$	140,510
	Commercial		91			-			494		160,814		161,399
	Residential Construction		-			-			443		20,182		20,625
	Other Construction, Land
	Development & Other Land		-			-			463		42,504		42,967
	Commercial		-			-			373		49,605		49,978
	Consumer		-			-			-		1,757		1,757
	Total	$	665		$	-		$	3,933	$	412,638	$	417,236




		31-Dec-12
					90+ Days
		30-89 Day			Past Due
		Past Due			and Accruing			Nonaccrual		Current		Total

			(Dollars in thousands)
	Real estate
	Residential	$	1,752		$	-		$	2,005	$	127,387	$	131,144
	Commercial		198			1,338			810		141,688		144,034
	Residential Construction		-			-			1,255		11,947		13,202
	Other Construction, Land
	Development & Other Land		28			-			3,406		41,619		45,053
	Commercial		-			-			538		39,885		40,423
	Consumer		79			-			-		2,136		2,215
	Total	$	2,057		$	1,338		$	8,014	$	364,662	$	376,071


Loan Portfolio By Internally Assigned Grade	'


		30-Sep-13
					Special
		Pass			Mention			Substandard		Doubtful		Loss		Total

			(Dollars in thousands)
	Real estate
	Residential	$	128,769		$	7,552		$	4,189	$	-	$	-	$	140,510
	Commercial		152,865			5,295			3,239		-		-		161,399
	Residential Construction		16,331			2,911			1,383		-		-		20,625
	Other Construction, Land
	Development & Other Land		32,182			6,693			4,092		-		-		42,967
	Commercial		48,152			862			964		-		-		49,978
	Consumer		1,695			62			-		-		-		1,757
	Total	$	379,994		$	23,375		$	13,867	$	-	$	-	$	417,236



			31-Dec-12
					Special
		Pass			Mention			Substandard		Doubtful		Loss		Total

			(Dollars in thousands)
	Real estate
	Residential	$	117,996		$	8,895		$	4,253	$	-	$	-	$	131,144
	Commercial		126,220			14,131			3,683		-		-		144,034
	Residential Construction		8,123			2,515			2,564		-		-		13,202
	Other Construction, Land
	Development & Other Land		25,857			10,713			8,483		-		-		45,053
	Commercial		38,295			962			1,166		-		-		40,423
	Consumer		2,049			88			78		-		-		2,215
	Total	$	318,540		$	37,304		$	20,227	$	-	$	-	$	376,071


Details Regarding Impaired Loans	'


		30-Sep-13								31-Dec-12
					Unpaid							Unpaid
		Recorded			Principal			Related		Recorded		Principal		Related
		Investment			Balance			Allowance		Investment		Balance		Allowance

		(Dollars in thousands)
	With no related allowance:
	Real estate
	Residential	$	2,160		$	2,665		$	-	$	2,184	$	2,522	$	-
	Commercial		494			841			-		810		3,570		-
	Residential Construction		443			520			-		1,255		1,974		-
	Other Construction, Land
	Development & Other Land		2,412			4,148			-		5,428		14,050		-
	Commercial		373			961			-		538		1,071		-
	Consumer		-			-			-		-		-		-
	Total	$	5,882		$	9,135		$	-	$	10,215	$	23,187	$	-

	With an allowance:
	Real estate
	Residential	$	-		$	-		$	-	$	-	$	-	$	-
	Commercial		-			-			-		-		-		-
	Residential Construction		-			-			-		-		-		-
	Other Construction, Land
	Development & Other Land		-			-			-		-		-		-
	Commercial		-			-			-		-		-		-
	Consumer		-			-			-		-		-		-
	Total	$	-		$	-		$	-	$	-	$	-	$	-

	Total
	Real estate
	Residential	$	2,160		$	2,665		$	-	$	2,184	$	2,522	$	-
	Commercial		494			841			-		810		3,570		-
	Residential Construction		443			520			-		1,255		1,974		-
	Other Construction, Land
	Development & Other Land		2,412			4,148			-		5,428		14,050		-
	Commercial		373			961			-		538		1,071		-
	Consumer		-			-			-		-		-		-
	Total	$	5,882		$	9,135		$	-	$	10,215	$	23,187	$	-


Balance Of The Allowance For Loan Losses And Recorded Investment In Financing Receivables By Impairment Method For Each Loan Portfolio Segment	'


			Real Estate
											Other
											Construction,
											Land Devel.
									Residential		& Other
			Residential			Commercial			Construction		Land		Commercial		Consumer		Total

			(Dollars in thousands)
	30-Sep-13
	Allowance for loan losses, evaluated
	Individually	$	-		$	-		$	-	$	-	$	-	$	-	$	-
	Collectively		2,949			3,524			560		674		869		15		8,591
	Total ending allowance	$	2,949		$	3,524		$	560	$	674	$	869	$	15	$	8,591

	Loans, evaluated
	Individually	$	2,160		$	494		$	443	$	2,412	$	373	$	-	$	5,882
	Collectively		138,350			160,905			20,182		40,555		49,605		1,757		411,354
	Total ending loans	$	140,510		$	161,399		$	20,625	$	42,967	$	49,978	$	1,757	$	417,236

	31-Dec-12
	Allowance for loan losses, evaluated
	Individually	$	-		$	-		$	-	$	-	$	-	$	-	$	-
	Collectively		2,654			2,947			284		606		762		16		7,269
	Total ending allowance	$	2,654		$	2,947		$	284	$	606	$	762	$	16	$	7,269

	Loans, evaluated
	Individually	$	2,184		$	810		$	1,255	$	5,428	$	538	$	-	$	10,215
	Collectively		128,960			143,224			11,947		39,625		39,885		2,215		365,856
	Total ending loans	$	131,144		$	144,034		$	13,202	$	45,053	$	40,423	$	2,215	$	376,071


Interest Income Recognized And The Average Recorded Investment Of Impaired Loans	'


		Three Months Ended						Nine Months Ended
		30-Sep-13						30-Sep-13
		Interest			Average			Interest		Average
		Income			Recorded			Income		Recorded
		Recognized			Investment			Recognized		Investment

			(Dollars in thousands)						(Dollars in thousands)

	Real estate
	Residential	$	73		$	1,806		$	126	$	1,817
	Commercial		26			510			45		654
	Residential Construction		2			646			-		883
	Other Construction, Land
	Development & Other Land		84			3,146			144		4,148
	Commercial		3			376			5		430
	Consumer		-			-			-		-
	Total	$	188		$	6,484		$	320	$	7,932



		Three Months Ended						Nine Months Ended
		30-Sep-12						30-Sep-12
		Interest			Average			Interest		Average
		Income			Recorded			Income		Recorded
		Recognized			Investment			Recognized		Investment

			(Dollars in thousands)						(Dollars in thousands)

	Real estate
	Residential	$	13		$	2,460		$	34	$	3,959
	Commercial		19			1,152			39		1,935
	Residential Construction		22			2,612			63		2,346
	Other Construction, Land
	Development & Other Land		23			6,405			186		7,630
	Commercial		3			751			-		851
	Consumer		-			-			-		353
	Total	$	80		$	13,380		$	322	$	17,074


Troubled Debt Restructurings	'


		30-Sep-13
		Total
		Number			Accrual			Nonaccrual		Total
		of Contracts			Status			Status		Modifications

			(Dollars in thousands)

	Real estate
	Residential		1		$	-		$	114	$	114
	Commercial		-			-			-		-
	Residential Construction		-			-			-		-
	Other Construction, Land
	Development & Other Land		3			1,949			93		2,042
	Commercial		-			-			-		-
	Consumer		-			-			-		-
	Total		4		$	1,949		$	207	$	2,156






		31-Dec-12
		Total
		Number			Accrual			Nonaccrual		Total
		of Contracts			Status			Status		Modifications

			(Dollars in thousands)

	Real estate
	Residential		1		$	179		$	-	$	179
	Commercial		-			-			-		-
	Residential Construction		-			-			-		-
	Other Construction, Land
	Development & Other Land		4			2,022			98		2,120
	Commercial		-			-			-		-
	Consumer		-			-			-		-
	Total		5		$	2,201		$	98	$	2,299


Troubled Debt Restructurings With A Payment Default	'


			Three Months Ended						Nine Months Ended
			30-Sep-12						30-Sep-12
			Number			Recorded			Number		Recorded
			of Contracts			Investment			of Contracts		Investment

			(Dollars in thousands)						(Dollars in thousands)
	Real estate
	Residential		-		$	-			1	$	286
	Commercial		-			-			-		-
	Residential Construction		-			-			-		-
	Other Construction, Land
	Development & Other Land		-			-			-		-
	Commercial		-			-			-		-
	Consumer		-						-
	Total		-		$	-			1	$	286

Other_Real_Estate_Owned_Table

Other Real Estate Owned (Table)	9 Months Ended
Other Real Estate Owned (Table)	Sep. 30, 2013
Other Real Estate Owned [Abstract]	'
Changes In Other Real Estate Owned	'


		Nine Months Ended
		September 30,
		2013		2012

		(dollars in thousands)

	Beginning Balance	$	3,771	$	7,646
	Additions		3,130		174
	Sales		-4,195		-1,705
	Write-downs		-104		-1,613
	Ending Balance	$	2,602	$	4,502

Fair_Value_Disclosures_Tables

Fair Value Disclosures (Tables)	9 Months Ended
Fair Value Disclosures (Tables)	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Of Assets And Liabilities Measured On A Recurring Basis	'


		30-Sep-13
		Fair Value Measurements Using						Fair
		Level 1		Level 2		Level 3		Values

		(Dollars in thousands)
	Assets:
	Available-for-sale securities	$	-	$	76,382	$	-	$	76,382



		31-Dec-12
		Fair Value Measurements Using						Fair
		Level 1		Level 2		Level 3		Values

		(Dollars in thousands)
	Assets:
	Available-for-sale securities	$	-	$	86,825	$	-	$	86,825


Fair Value Of Assets Measured On A Nonrecurring Basis	'


		30-Sep-13
		Fair Value Measurements Using						Fair
		Level 1		Level 2		Level 3		Values

		(Dollars in thousands)
	Impaired loans	$	-	$	-	$	5,882	$	5,882
	Loans held for sale		-		1,255		-		1,255
	Other real estate owned		-		-		2,602		2,602
	Total	$	-	$	1,255	$	8,484	$	9,739



		31-Dec-12
		Fair Value Measurements Using						Fair
		Level 1		Level 2		Level 3		Values

		(Dollars in thousands)
	Impaired loans	$	-	$	-	$	10,215	$	10,215
	Loans held for sale		-		9,912		-		9,912
	Other real estate owned		-		-		3,771		3,771
	Total	$	-	$	9,912	$	13,986	$	23,898


Fair Value Of Financial Instruments	'


		30-Sep-13				31-Dec-12
		Carrying		Fair		Carrying		Fair
		Amount		Value		Amount		Value

		(Dollars in thousands)				(Dollars in thousands)
	Financial assets
	Cash and cash equivalents	$	12,057	$	12,057	$	35,321	$	35,321
	Investment securities		79,258		79,411		89,705		90,050
	Loans receivable, net		408,605		402,672		368,920		367,217
	Loans held for sale		1,255		1,261		9,912		9,962
	Accrued interest		1,726		1,726		1,807		1,807
	BOLI		9,499		9,499		9,251		9,251

	Financial liabilities
	Deposits	$	446,871	$	442,018	$	459,113	$	466,390
	FHLB advances		30,000		30,270		25,000		25,638
	Subordinated debt		7,155		3,577		7,155		3,750
	Repurchase agreements		916		916		871		871

Basis_Of_Presentation_Details

Basis Of Presentation (Details) (USD $)	9 Months Ended
Basis Of Presentation (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Basis Of Presentation [Abstract]	'	'
Common stock, par value	$4	$4
Common stock exchange ratio	100.00%	'

Income_Per_Share_Narrative_Det

Income Per Share (Narrative) (Details)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]	'	'	'	'
Anti-dilutive shares excluded from calculation of diluted earnings per share	315	596	315	5,100
Restricted Common Stock [Member]	'	'	'	'
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]	'	'	'	'
Anti-dilutive shares excluded from calculation of diluted earnings per share	348	'	348	'

Income_Per_Share_Basic_And_Dil

Income Per Share (Basic And Diluted Income (Loss) Per Share Calculations) (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Income Per Share [Abstract]	'	'	'	'
Net income available to common stockholders	$991	$743	$2,616	($7,058)
Weighted average number of shares outstanding	12,034	11,885	11,978	7,623
Net income per common share - basic	$0.08	$0.06	$0.22	($0.93)
Effect of stock options and warrants	2,099	'	1,830	'
Diluted average common shares outstanding	14,133	11,885	13,808	7,623
Net income per common share - assuming dilution	$0.07	$0.06	$0.19	($0.93)

Stock_Options_Narrative_Detail

Stock Options (Narrative) (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Stock Options [Abstract]	'	'	'	'
Stock based compensation expense	$111	$34	$344	$90

Investment_Securities_Narrativ

Investment Securities (Narrative) (Details) (USD $)	9 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
	security	security
Investment Securities [Abstract]	'	'
Number of available-for-sale securities held at fair values less than amortized cost	34	17
Total number of available-for-sale securities	136	139
Restricted equity securities, value of stock	$2,000,000	$1,900,000
Federal Reserve Bank Stock, value of stock	1,500,000	1,500,000
Required bank stock percentage of outstanding borrowings	4.50%	'
Required bank stock par value to outstanding capital, percentage	3.00%	'
Securities pledged as collateral	$916,000	$871,000

Investment_Securities_Amortize

Investment Securities (Amortized Costs, Gross Unrealized Gains, Gross Unrealized Losses And Fair Values Of Securities) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	$76,224	$84,647
Gross Unrealized Gains	1,177	2,437
Gross Unrealized Losses	1,019	259
Fair Values	76,382	86,825	[1]
US Government Agencies [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	'	'
Gross Unrealized Gains	'	'
Gross Unrealized Losses	'	'
Fair Values	'	'
Mortgage-Backed Securities [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	21,628	11,563
Gross Unrealized Gains	287	476
Gross Unrealized Losses	240	4
Fair Values	21,675	12,035
Corporate Bonds [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	5,996	16,708
Gross Unrealized Gains	36	114
Gross Unrealized Losses	57	123
Fair Values	5,975	16,699
CMO Securities [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	31,462	36,996
Gross Unrealized Gains	625	945
Gross Unrealized Losses	84	10
Fair Values	32,003	37,931
State And Political Subdivisions-Taxable [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	15,115	15,247
Gross Unrealized Gains	123	684
Gross Unrealized Losses	638	122
Fair Values	14,600	15,809
State And Political Subdivisions-Tax Exempt [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	2,023	2,862
Gross Unrealized Gains	106	179
Fair Values	2,129	3,041
SBA - Guarantee Portion [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	'	1,271
Gross Unrealized Gains	'	39
Gross Unrealized Losses	'	'
Fair Values	'	$1,310

[1]	Derived from audited, consolidated financial statements

Investment_Securities_Amortize1

Investment Securities (Amortized Costs, Gross Unrealized Gains, Gross Unrealized Losses And Fair Values Of Held To Maturity Securities) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Schedule of Held-to-maturity Securities [Line Items]	'	'
Amortized Costs	$2,876	$2,880
Gross Unrealized Gains	155	345
Gross Unrealized Losses	2	'
Fair Values	3,029	3,225
Tax-Exempt Municipal Bonds [Member]	'	'
Schedule of Held-to-maturity Securities [Line Items]	'	'
Amortized Costs	2,876	2,880
Gross Unrealized Gains	155	345
Gross Unrealized Losses	2	'
Fair Values	$3,029	$3,225

Investment_Securities_Unrealiz

Investment Securities (Unrealized Loss And Fair Value Of Available-For-Sale Securities) (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	$27,776	$7,393
Unrealized Losses, Less than 12 Months	962	168
Fair Value, 12 Months or More	1,940	4,908
Unrealized Losses, 12 Months or More	57	91
Fair Value	29,716	12,301
Unrealized Losses	1,019	259
US Government Agencies [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	'	'
Unrealized Losses, Less than 12 Months	'	'
Fair Value, 12 Months or More	'	'
Unrealized Losses, 12 Months or More	'	'
Fair Value	'	'
Unrealized Losses	'	'
Mortgage-Backed Securities [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	11,139	1,011
Unrealized Losses, Less than 12 Months	240	4
Fair Value	11,139	1,011
Unrealized Losses	240	4
Corporate Bonds [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	'	964
Unrealized Losses, Less than 12 Months	'	32
Fair Value, 12 Months or More	1,940	4,908
Unrealized Losses, 12 Months or More	57	91
Fair Value	1,940	5,872
Unrealized Losses	57	123
CMO Securities [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	7,600	611
Unrealized Losses, Less than 12 Months	84	10
Fair Value	7,600	611
Unrealized Losses	84	10
State And Political Subdivisions-Taxable [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	9,037	4,807
Unrealized Losses, Less than 12 Months	638	122
Fair Value	9,037	4,807
Unrealized Losses	638	122
State And Political Subdivisions-Tax Exempt [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	'	'
Unrealized Losses, Less than 12 Months	'	'
Fair Value, 12 Months or More	'	'
Unrealized Losses, 12 Months or More	'	'
Fair Value	'	'
Unrealized Losses	'	'
SBA - Guarantee Portion [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	'	'
Unrealized Losses, Less than 12 Months	'	'
Fair Value, 12 Months or More	'	'
Unrealized Losses, 12 Months or More	'	'
Fair Value	'	'
Unrealized Losses	'	'

Loans_Narrative_Details

Loans (Narrative) (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013
Loans [Abstract]	'
Residential loans rate adjustment period, years	'5 years
Original loan to value, percentage	80.00%
HELOC loan term, years	'10 years
Closed-end retail loans will be charged off after they become past due, days	'120 days
Open-end retail loans will be charged off after they become past due, days	'180 days
Past due payments are considered delinquent, days	'30 days
Accrual of interest is generally discounted on delinquent loans, days	'90 days
Minimum number of consecutive timely payments needed to be considered for accrual status	'6 months
Minimum amount to be considered impaired	$250

Loans_Classification_Of_Loans_

Loans (Classification Of Loans) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012		Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012		Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	$417,236	'	$376,071		'	'	'
Allowance for loan losses	8,591	8,582	7,269		7,208	7,253	9,271
Net deferred (fees) costs	-40	'	118		'	'	'
Loans, net	408,605	'	368,920	[1]	'	'	'
Residential [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	140,510	'	131,144		'	'	'
Allowance for loan losses	2,949	2,858	2,654		2,628	2,580	3,680
RE-Commercial [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	161,399	'	144,034		'	'	'
Allowance for loan losses	3,524	3,493	2,947		3,135	3,156	1,375
Residential Construction [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	20,625	'	13,202		'	'	'
Allowance for loan losses	560	475	284		201	203	650
Other Construction, Land Development & Other Land [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	42,967	'	45,053		'	'	'
Allowance for loan losses	674	744	606		465	477	2,175
Commercial [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	49,978	'	40,423		'	'	'
Allowance for loan losses	869	996	762		762	816	1,370
Consumer [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	1,757	'	2,215		'	'	'
Allowance for loan losses	$15	$16	$16		$17	$21	$21

[1]	Derived from audited, consolidated financial statements

Loans_Allowance_For_Loan_Losse

Loans (Allowance For Loan Losses) (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Loans [Abstract]	'	'	'	'
Beginning balance	$8,582	$7,253	$7,269	$9,271
Provision for loan loss	-86	156	14	9,031
Recoveries	111	239	3,247	338
Charge-offs	-16	-440	-1,939	-11,432
Ending balance	$8,591	$7,208	$8,591	$7,208
Ratio of allowance for loan losses as a percent of loans oustanding at the end of the period	2.06%	1.97%	2.06%	1.97%

Loans_Allowance_For_Loan_Losse1

Loans (Allowance For Loan Losses By Portfolio Segment) (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning balance	$8,582	$7,253	$7,269	$9,271
Provision for loan loss	-86	156	14	9,031
Recoveries	111	239	3,247	338
Charge-offs	-16	-440	-1,939	-11,432
Ending balance	8,591	7,208	8,591	7,208
Residential [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning balance	2,858	2,580	2,654	3,680
Provision for loan loss	82	62	435	1,301
Recoveries	9	130	16	134
Charge-offs	'	-144	-156	-2,487
Ending balance	2,949	2,628	2,949	2,628
RE-Commercial [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning balance	3,493	3,156	2,947	1,375
Provision for loan loss	31	-21	-88	4,262
Recoveries	'	'	998	78
Charge-offs	'	'	-333	-2,580
Ending balance	3,524	3,135	3,524	3,135
Residential Construction [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning balance	475	203	284	650
Provision for loan loss	84	-2	-561	969
Recoveries	1	'	905	'
Charge-offs	'	'	-68	-1,418
Ending balance	560	201	560	201
Other Construction, Land Development & Other Land [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning balance	744	477	606	2,175
Provision for loan loss	-154	284	-30	2,138
Recoveries	100	'	1,324	17
Charge-offs	-16	-296	-1,226	-3,865
Ending balance	674	465	674	465
Commercial [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning balance	996	816	762	1,370
Provision for loan loss	-128	-163	259	365
Recoveries	1	109	4	109
Charge-offs	'	'	-156	-1,082
Ending balance	869	762	869	762
Consumer [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning balance	16	21	16	21
Provision for loan loss	-1	-4	-1	-4
Ending balance	$15	$17	$15	$17

Loans_Aging_Of_Unpaid_Principa

Loans (Aging Of Unpaid Principal In Loans) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	$665	$2,057
90+ Days Past Due And Accruing	'	1,338
Nonaccrual	3,933	8,014
Current	412,638	364,662
Total loans	417,236	376,071
Residential [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	574	1,752
90+ Days Past Due And Accruing	'	'
Nonaccrual	2,160	2,005
Current	137,776	127,387
Total loans	140,510	131,144
RE-Commercial [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	91	198
90+ Days Past Due And Accruing	'	1,338
Nonaccrual	494	810
Current	160,814	141,688
Total loans	161,399	144,034
Residential Construction [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	'	'
90+ Days Past Due And Accruing	'	'
Nonaccrual	443	1,255
Current	20,182	11,947
Total loans	20,625	13,202
Other Construction, Land Development & Other Land [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	'	28
90+ Days Past Due And Accruing	'	'
Nonaccrual	463	3,406
Current	42,504	41,619
Total loans	42,967	45,053
Commercial [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	'	'
90+ Days Past Due And Accruing	'	'
Nonaccrual	373	538
Current	49,605	39,885
Total loans	49,978	40,423
Consumer [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	'	79
90+ Days Past Due And Accruing	'	'
Nonaccrual	'	'
Current	1,757	2,136
Total loans	$1,757	$2,215

Loans_Loan_Portfolio_By_Intern

Loans (Loan Portfolio By Internally Assigned Grade) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	$417,236	$376,071
Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	140,510	131,144
RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	161,399	144,034
Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	20,625	13,202
Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	42,967	45,053
Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	49,978	40,423
Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	1,757	2,215
Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	379,994	318,540
Pass [Member] \| Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	128,769	117,996
Pass [Member] \| RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	152,865	126,220
Pass [Member] \| Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	16,331	8,123
Pass [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	32,182	25,857
Pass [Member] \| Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	48,152	38,295
Pass [Member] \| Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	1,695	2,049
Special Mention [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	23,375	37,304
Special Mention [Member] \| Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	7,552	8,895
Special Mention [Member] \| RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	5,295	14,131
Special Mention [Member] \| Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	2,911	2,515
Special Mention [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	6,693	10,713
Special Mention [Member] \| Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	862	962
Special Mention [Member] \| Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	62	88
Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	13,867	20,227
Substandard [Member] \| Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	4,189	4,253
Substandard [Member] \| RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	3,239	3,683
Substandard [Member] \| Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	1,383	2,564
Substandard [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	4,092	8,483
Substandard [Member] \| Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	964	1,166
Substandard [Member] \| Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	78
Doubtful [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Doubtful [Member] \| Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Doubtful [Member] \| RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Doubtful [Member] \| Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Doubtful [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Doubtful [Member] \| Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Doubtful [Member] \| Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Loss [Member] \| Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Loss [Member] \| RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Loss [Member] \| Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Loss [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Loss [Member] \| Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'
Loss [Member] \| Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	'

Loans_Details_Regarding_Impair

Loans (Details Regarding Impaired Loans) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	$5,882	$10,215
With no related allowance, Unpaid Principal Balance	9,135	23,187
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	5,882	10,215
Unpaid Principal Balance	9,135	23,187
Related Allowance	'	'
Residential [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	2,160	2,184
With no related allowance, Unpaid Principal Balance	2,665	2,522
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	2,160	2,184
Unpaid Principal Balance	2,665	2,522
Related Allowance	'	'
RE-Commercial [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	494	810
With no related allowance, Unpaid Principal Balance	841	3,570
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	494	810
Unpaid Principal Balance	841	3,570
Related Allowance	'	'
Residential Construction [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	443	1,255
With no related allowance, Unpaid Principal Balance	520	1,974
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	443	1,255
Unpaid Principal Balance	520	1,974
Related Allowance	'	'
Other Construction, Land Development & Other Land [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	2,412	5,428
With no related allowance, Unpaid Principal Balance	4,148	14,050
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	2,412	5,428
Unpaid Principal Balance	4,148	14,050
Related Allowance	'	'
Commercial [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	373	538
With no related allowance, Unpaid Principal Balance	961	1,071
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	373	538
Unpaid Principal Balance	961	1,071
Related Allowance	'	'
Consumer [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	'	'
With no related allowance, Unpaid Principal Balance	'	'
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'

Loans_Balance_Of_The_Allowance

Loans (Balance Of The Allowance For Loan Losses And Recorded Investment In Financing Received By Impairment Method For Each Loan Portfolio Segment) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Allowance for loan losses, individually evaluated for impairment	'	'
Allowance for loan losses, collectively evaluated for impairment	8,591	7,269
Total ending allowance	8,591	7,269
Loans, individually evaluated for impairment	5,882	10,215
Loans, collectively evaluated for impairment	411,354	365,856
Total loans	417,236	376,071
Residential [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Allowance for loan losses, individually evaluated for impairment	'	'
Allowance for loan losses, collectively evaluated for impairment	2,949	2,654
Total ending allowance	2,949	2,654
Loans, individually evaluated for impairment	2,160	2,184
Loans, collectively evaluated for impairment	138,350	128,960
Total loans	140,510	131,144
RE-Commercial [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Allowance for loan losses, individually evaluated for impairment	'	'
Allowance for loan losses, collectively evaluated for impairment	3,524	2,947
Total ending allowance	3,524	2,947
Loans, individually evaluated for impairment	494	810
Loans, collectively evaluated for impairment	160,905	143,224
Total loans	161,399	144,034
Residential Construction [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Allowance for loan losses, individually evaluated for impairment	'	'
Allowance for loan losses, collectively evaluated for impairment	560	284
Total ending allowance	560	284
Loans, individually evaluated for impairment	443	1,255
Loans, collectively evaluated for impairment	20,182	11,947
Total loans	20,625	13,202
Other Construction, Land Development & Other Land [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Allowance for loan losses, individually evaluated for impairment	'	'
Allowance for loan losses, collectively evaluated for impairment	674	606
Total ending allowance	674	606
Loans, individually evaluated for impairment	2,412	5,428
Loans, collectively evaluated for impairment	40,555	39,625
Total loans	42,967	45,053
Commercial [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Allowance for loan losses, individually evaluated for impairment	'	'
Allowance for loan losses, collectively evaluated for impairment	869	762
Total ending allowance	869	762
Loans, individually evaluated for impairment	373	538
Loans, collectively evaluated for impairment	49,605	39,885
Total loans	49,978	40,423
Consumer [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Allowance for loan losses, individually evaluated for impairment	'	'
Allowance for loan losses, collectively evaluated for impairment	15	16
Total ending allowance	15	16
Loans, individually evaluated for impairment	'	'
Loans, collectively evaluated for impairment	1,757	2,215
Total loans	$1,757	$2,215

Loans_Interest_Income_Realized

Loans (Interest Income Realized And The Average Recorded Investment Of Impaired Loans) (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	$188	$80	$320	$322
Average Recorded Investment	6,484	13,380	7,932	17,074
Residential [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	73	13	126	34
Average Recorded Investment	1,806	2,460	1,817	3,959
RE-Commercial [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	26	19	45	39
Average Recorded Investment	510	1,152	654	1,935
Residential Construction [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	2	22	'	63
Average Recorded Investment	646	2,612	883	2,346
Other Construction, Land Development & Other Land [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	84	23	144	186
Average Recorded Investment	3,146	6,405	4,148	7,630
Commercial [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	3	3	5	'
Average Recorded Investment	376	751	430	851
Consumer [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	'	'	'	'
Average Recorded Investment	'	'	'	$353

Loans_Troubled_Debt_Restructur

Loans (Troubled Debt Restructuring) (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Modifications [Line Items]	'	'
Total Number of Contracts	4	5
Total Modifications	$2,156	$2,299
Residential [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Number of Contracts	1	1
Total Modifications	114	179
RE-Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Number of Contracts	'	'
Total Modifications	'	'
Residential Construction [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Number of Contracts	'	'
Total Modifications	'	'
Other Construction, Land Development & Other Land [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Number of Contracts	3	4
Total Modifications	2,042	2,120
Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Number of Contracts	'	'
Total Modifications	'	'
Consumer [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Number of Contracts	'	'
Total Modifications	'	'
Accrual Status [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	1,949	2,201
Accrual Status [Member] \| Residential [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	179
Accrual Status [Member] \| RE-Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'
Accrual Status [Member] \| Residential Construction [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'
Accrual Status [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	1,949	2,022
Accrual Status [Member] \| Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'
Accrual Status [Member] \| Consumer [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'
Nonaccrual Status [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	207	98
Nonaccrual Status [Member] \| Residential [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	114	'
Nonaccrual Status [Member] \| RE-Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'
Nonaccrual Status [Member] \| Residential Construction [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'
Nonaccrual Status [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	93	98
Nonaccrual Status [Member] \| Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'
Nonaccrual Status [Member] \| Consumer [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'

Loans_Troubled_Debt_Restructur1

Loans (Troubled Debt Restructuring With A Payment Default) (Details) (USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2012	Sep. 30, 2012
	contract	contract
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	1
Recorded Investment	'	$286
Residential [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	1
Recorded Investment	'	286
RE-Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	'
Recorded Investment	'	'
Residential Construction [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	'
Recorded Investment	'	'
Other Construction, Land Development & Other Land [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	'
Recorded Investment	'	'
Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	'
Recorded Investment	'	'
Consumer [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	'
Recorded Investment	'	'

Other_Real_Estate_Owned_Change

Other Real Estate Owned (Changes In Other Real Estate Owned) (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Other Real Estate Owned [Abstract]	'	'
Beginning Balance	$3,771	$7,646
Additions	3,130	174
Sales	-4,195	-1,705
Write-downs	-104	-1,613
Ending Balance	$2,602	$4,502

Fair_Value_Disclosures_Narrati

Fair Value Disclosures (Narrative) (Details)	9 Months Ended
Fair Value Disclosures (Narrative) (Details)	Sep. 30, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'
Appraisal of real estate to be considered level 3, minimum years	'2 years
Valuation to determine current market value, minimum years	'1 year
Minimum [Member]	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'
Discount reflecting current market conditions, percent	0.00%
Maximum [Member]	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'
Discount reflecting current market conditions, percent	30.00%

Fair_Value_Disclosures_Fair_Va

Fair Value Disclosures (Fair Value Of Assets And Liabilities Measured On A Recurring Basis) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities, fair value	$76,382	$86,825	[1]
Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities, fair value	'	'
Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities, fair value	76,382	86,825
Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities, fair value	'	'

[1]	Derived from audited, consolidated financial statements

Fair_Value_Disclosures_Fair_Va1

Fair Value Disclosures (Fair Value Of Assets Measured On A Nonrecurring Basis) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	$5,882	$10,215
Loans held for sale	1,255	9,912
Fair Values	3,029	3,225
Other real estate owned	2,602	3,771
Total	9,739	23,898
Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Loans held for sale	'	'
Other real estate owned	'	'
Total	'	'
Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Loans held for sale	1,255	9,912
Other real estate owned	'	'
Total	1,255	9,912
Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	5,882	10,215
Loans held for sale	'	'
Other real estate owned	2,602	3,771
Total	$8,484	$13,986

Fair_Value_Disclosures_Fair_Va2

Fair Value Disclosures (Fair Value Of Financial Instruments) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Loans held for sale	$1,255	$9,912
BOLI	9,499	9,251	[1]
Carrying Amount [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Cash and cash equivalents	12,057	35,321
Investment securities	79,258	89,705
Loans receivable, net	408,605	368,920
Loans held for sale	1,255	9,912
Accrued interest	1,726	1,807
BOLI	9,499	9,251
Deposits	446,871	459,113
FHLB advances	30,000	25,000
Subordinated debt	7,155	7,155
Repurchase agreements	916	871
Fair Value [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Cash and cash equivalents	12,057	35,321
Investment securities	79,411	90,050
Loans receivable, net	402,672	367,217
Loans held for sale	1,261	9,962
Accrued interest	1,726	1,807
BOLI	9,499	9,251
Deposits	442,018	466,390
FHLB advances	30,270	25,638
Subordinated debt	3,577	3,750
Repurchase agreements	$916	$871

[1]	Derived from audited, consolidated financial statements

Preferred_Stock_Details

Preferred Stock (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Preferred Stock [Abstract]	'	'
Preferred stock, par value	$4	$4
Preferred stock, liquidation preference per share	$1,000	$1,000
Preferred stock, shares authorized	2,000,000	2,000,000
Preferred stock, shares outstanding	5,531	5,531

Common_Stock_Details

Common Stock (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Common Stock [Abstract]	'	'
Common stock, par value	$4	$4
Common stock, shares authorized	30,000,000	30,000,000
Common stock, shares outstanding	12,528,196	12,274,964