First Capital Bancorp (FCVA) Inactive 10-Q14 Aug 142014 Q2 Quarterly reportFinancial data

Company Profile

Document_And_Entity_Informatio

Document And Entity Information	6 Months Ended
Document And Entity Information	Jun. 30, 2014	Aug. 12, 2014
Document And Entity Information [Abstract]	'	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Jun-14	'
Document Fiscal Period Focus	'Q2	'
Document Fiscal Year Focus	'2014	'
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	'	12,750,065

Consolidated_Statements_Of_Fin

Consolidated Statements Of Financial Condition (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
ASSETS	'	'
Cash and due from banks	$15,468	$10,202	[1]
Interest-bearing deposits in other banks	857	3,985	[1]
Total cash and cash equivalents	16,325	14,187	[1]
Investment securities:	'	'
Available for sale, at fair value	70,005	71,511	[1]
Held to maturity, at cost	2,373	2,375	[1]
Restricted, at cost	4,186	3,554	[1]
Loans held for sale	'	992	[1]
Loans, net of allowance for losses of $7,894 in 2014 and $8,165 in 2013	453,688	423,160	[1]
Other real estate owned	2,279	2,658	[1]
Premises and equipment, net	10,761	10,451	[1]
Accrued interest receivable	1,721	1,701	[1]
Bank owned life insurance	9,742	9,580	[1]
Deferred tax asset	5,301	6,064	[1]
Other assets	1,720	1,652	[1]
Total assets	578,101	547,885	[1]
LIABILITIES	'	'
Noninterest-bearing deposits	74,487	67,694	[1]
Interest-bearing deposits	393,302	388,274	[1]
Total deposits	467,789	455,968	[1]
Securities sold under repurchase agreements	1,925	1,393	[1]
Subordinated debt and trust preferred	13,607	7,155	[1]
Federal Home Loan Bank advances	45,000	30,000	[1]
Accrued expenses and other liabilities	2,609	3,687	[1]
Total liabilities	530,930	498,203	[1]
STOCKHOLDERS' EQUITY	'	'
Preferred stock, See Note 10	'	22	[1]
Common stock, See Note 11	127	50,208	[1]
Additional paid-in capital	49,575	4,448	[1]
Accumulated deficit	-2,628	-4,590	[1]
Discount on preferred stock	'	-16	[1]
Accumulated other comprehensive income (loss), net of tax	97	-390	[1]
Total stockholders' equity	47,171	49,682	[1]
Total liabilities and stockholders' equity	$578,101	$547,885	[1]

[1]	Derived from audited, consolidated financial statements

Consolidated_Statements_Of_Fin1

Consolidated Statements Of Financial Condition (Parenthetical) (USD $)	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
Consolidated Statements Of Financial Condition [Abstract]	'	'	'	'	'	'
Loans, allowance for losses	$7,894	$8,019	$8,165	$8,582	$7,467	$7,269

Consolidated_Statements_Of_Ope

Consolidated Statements Of Operations (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Interest and dividend income	'	'	'	'
Loans	$5,661	$5,137	$11,096	$10,170
Investments:	'	'	'	'
Taxable interest income	336	459	723	941
Tax exempt interest income	32	58	75	116
Dividends	46	37	94	68
Interest bearing deposits	5	5	11	12
Total interest income	6,080	5,696	11,999	11,307
Interest expense	'	'	'	'
Deposits	1,080	1,166	2,162	2,420
FHLB advances	111	82	202	163
Subordinated debt and other borrowings	125	35	245	71
Total interest expense	1,316	1,283	2,609	2,654
Net interest income	4,764	4,413	9,390	8,653
(Recovery of) provision for loan losses	'	'	-292	100
Net interest income after (recovery of) provision for loan losses	4,764	4,413	9,682	8,553
Noninterest income	'	'	'	'
Fees on deposits	87	88	167	176
Gain on sale of securities	175	145	271	176
Gain on sale of loans	'	303	55	586
Other	221	208	456	407
Total noninterest income	483	744	949	1,345
Noninterest expenses	'	'	'	'
Salaries and employee benefits	2,079	2,117	4,413	4,137
Occupancy expense	214	211	418	405
Data processing	237	253	472	490
Professional services	142	93	259	224
Advertising and marketing	127	165	255	290
FDIC assessment	90	105	180	186
Virginia franchise tax	128	120	254	240
(Gain) loss on sale and write down of other real estate owned	-54	-55	-78	44
Depreciation	147	151	283	302
Other	648	550	1,267	1,002
Total noninterest expense	3,758	3,710	7,723	7,320
Net income before income taxes	1,489	1,447	2,908	2,578
Income tax expense	480	446	922	783
Net income	1,009	1,001	1,986	1,795
Preferred stock dividend	'	86	24	172
Net income available to common stockholders	$1,009	$915	$1,962	$1,623
Basic net income per common share	$0.08	$0.08	$0.16	$0.14
Diluted net income per common share	$0.07	$0.07	$0.13	$0.12

Consolidated_Statements_Of_Com

Consolidated Statements Of Comprehensive Income (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Consolidated Statements Of Comprehensive Income [Abstract]	'	'	'	'
Net income	$1,009	$1,001	$1,986	$1,795
Other comprehensive income (loss):	'	'	'	'
Unrealized gains (losses) on investment securities available for sale	377	-1,726	1,009	-1,738
Unrealized gains (losses) on investment securities available for sale, Tax effect	-128	588	-343	591
Reclassification of gains recognized in net income	-175	-145	-271	-176
Reclassification of gains recognized in net income, Tax effect	59	49	92	60
Total other comprehensive income (loss)	133	-1,234	487	-1,263
Comprehensive income (loss)	$1,142	($233)	$2,473	$532

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, 2012	$22	$49,100	$4,072	($8,120)	$661	($84)	$1,437	$47,088
Net income	'	'	'	1,795	'	'	'	1,795
Other comprehensive income (loss)	'	'	'	'	'	'	-1,263	-1,263
Preferred stock dividend	'	'	'	-138	'	'	'	-138
Accretion of discount on preferred stock	'	'	'	-34	'	34	'	'
Stock based compensation	'	'	233	'	'	'	'	233
Redemption of stock	'	'	395	'	-661	'	'	-266
Costs associated with redemption of common stock warrants	'	'	-15	'	'	'	'	-15
Warrants exercised in connection with 8.9 million shares issued	'	382	-191	'	'	'	'	191
Balances at Jun. 30, 2013	22	49,482	4,494	-6,497	'	-50	174	47,625
Balances at Dec. 31, 2013	22	50,208	4,448	-4,590	'	-16	-390	49,682	[1]
Net income	'	'	'	1,986	'	'	'	1,986
Other comprehensive income (loss)	'	'	'	'	'	'	487	487
Preferred stock dividend	'	'	'	-8	'	'	'	-8
Accretion of discount on preferred stock	'	'	'	-16	'	16	'	'
Stock based compensation	'	'	159	'	'	'	'	159
Redemption of stock	-22	'	-5,509	'	'	'	'	-5,531
Change in par value	'	-50,083	50,083	'	'	'	'	'
Warrants exercised in connection with 8.9 million shares issued	'	2	394	'	'	'	'	396
Balances at Jun. 30, 2014	'	$127	$49,575	($2,628)	'	'	$97	$47,171

[1]	Derived from audited, consolidated financial statements

Consolidated_Statements_Of_Sto1

Consolidated Statements Of Stockholders' Equity (Parenthetical)	6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013
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 $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014		Jun. 30, 2013
Cash flows from operating activities	'		'
Net income	$1,986		$1,795
Adjustments to reconcile net income to net cash provided by operating activities:	'		'
(Recovery of) provision for loan losses	-292		100
Depreciation of premises and equipment	283		302
Net amortization of bond premiums/discounts	293		416
Stock based compensation expense	159		233
Deferred income tax expense	512		768
Gain on sale of securities	-271		-176
Gain on loans sold	-55		-586
(Gain) loss on sale and write down of OREO	-78		44
Increase in cash surrender value of bank owned life insurance	-162		-167
Proceeds from sale of loans held for sale	7,167		57,958
Origination of loans held for sale	-6,120		-51,456
(Increase) decrease in other assets	-68		1,816
(Increase) decrease in accrued interest receivable	-20		20
Decrease in accrued expenses and other liabilities	-1,078		-613
Net cash provided by operating activities	2,256		10,454
Cash flows from investing activities	'		'
Proceeds from maturities and calls of securities	'		410
Proceeds from paydowns of securities available-for-sale	5,312		7,044
Purchase of securities available-for-sale	-18,253		-8,839
Proceeds from sale of securities available-for-sale	15,165		14,026
Proceeds from sale of other real estate owned	575		1,567
Improvements in other real estate owned	-118		'
(Purchase) redemption of Federal Home Loan Bank Stock, net	-516		161
Purchase of Federal Reserve Stock, net	-116		-48
Purchases of premises and equipment	-593		-47
Net increase in loans	-30,236		-35,215
Net cash used in investing activities	-28,780		-20,941
Cash flows from financing activities	'		'
Net increase (decrease) in deposits	11,821		-4,195
Borrowings with FHLB	15,000		'
Dividends on preferred stock	-8		-138
Cash paid for redemption of common stock warrants and preferred stock, net of expenses	-5,531		-281
Proceeds from issuance of subordinated debt, net of payments	6,452		'
Warrants exercised in connection with the rights offering, net	396		191
Net increase in repurchase agreements	532		261
Net cash provided by (used in) financing activities	28,662		-4,162
Net increase (decrease) in cash and cash equivalents	2,138		-14,649
Cash and cash equivalents, beginning of period	14,187	[1]	35,321
Cash and cash equivalents, end of period	16,325		20,672
Supplemental disclosure of cash flow information	'		'
Interest paid during the period	2,609		2,654
Taxes (paid) refunded during the period, net	-410		997
Supplemental schedule of noncash investing and financing activities	'		'
Transfer of loans to other real estate owned	'		2,298
Unrealized gain (loss) on securities available for sale, net of tax	666		-1,147
Company financed sales of other real estate owned	'		$2,300

[1]	Derived from audited, consolidated financial statements

Basis_Of_Presentation

Basis Of Presentation	6 Months Ended
Basis Of Presentation	Jun. 30, 2014
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. Effective June 24, 2014, the Board of Directors approved an amendment to the Company’s Articles of Incorporation whereby the par value of its common stock was changed from $4.00 per share to $.01 per share.
	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 June 30, 2014, and December 31, 2013 and for the three and six months ended June 30, 2014, and 2013, in conformity with accounting principles generally accepted in the United States of America (“GAAP”). Results for the three and six month periods ended June 30, 2014 are not necessarily indicative of the results that may be expected for the full year ending December 31, 2014.
	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, 2013, 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 for Contingencies, which requires that losses be accrued when occurrence is probable and can be reasonably estimated, and (ii) specific reserves based on accounting for impaired loans, 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.
	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.
	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 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.
	Although management uses the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if actual 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 include assumptions or estimates about various matters.

Use_Of_Estimates

Use Of Estimates	6 Months Ended
Use Of Estimates	Jun. 30, 2014
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 consolidated financial statements and the disclosures provided, and actual results may be different. 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	6 Months Ended
Income Per Share	Jun. 30, 2014
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 that have a dilutive impact on shares outstanding 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				Six Months Ended
			June 30,				June 30,
			(in thousands,				(in thousands,
			except per share amounts)				except per share amounts)
		2014		2013		2014		2013

	Net income available to common stockholders	$	1,009	$	915	$	1,962	$	1,623
	Weighted average number of shares outstanding		12,544		11,966		12,484		11,950
	Net income per common share - basic	$	0.08	$	0.08	$	0.16	$	0.14

	Effect of dilutive securities:

	Weighted average number of common shares outstanding		12,544		11,966		12,484		11,950
	Effect of stock options, warrants and restricted stock		2,397		1,653		2,410		1,630
	Diluted average common shares outstanding		14,941		13,619		14,894		13,580
	Net income per common share - assuming dilution	$	0.07	$	0.07	$	0.13	$	0.12


	The Company has excluded options convertible into 31 thousand shares of common stock for the three and six months ended June 30, 2014, from the calculation of diluted earnings per share because they were anti-dilutive since the strike price was greater than the average market price.
	The Company excluded options convertible into 324 thousand shares of common stock for the three and six months ended June, 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. The Company also excluded 348 thousand shares of restricted common stock for the three and six months ended June 30, 2013 from the calculation of diluted earnings per share because the shares were anti-dilutive since they were issued but not vested.

Stock_Options

Stock Options	6 Months Ended
Stock Options	Jun. 30, 2014
Stock Options [Abstract]	'
Stock Options	'




	Note 4 – Stock Options

	Accounting standards require the Company to measure compensation cost for the type of stock-based awards the Company issues at fair value on the date of grant and recognize 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 six months ended June 30, 2014, was $76 thousand and $159 thousand, respectively, and the amount expensed during the three and six months ended June 30, 2013, was $158 thousand and $233 thousand, respectively. Expensed amounts are included in salaries and employee benefits.

Investment_Securities

Investment Securities	6 Months Ended
Investment Securities	Jun. 30, 2014
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-Jun-14
		Amortized			Gross Unrealized						Fair
		Costs			Gains			Losses			Values

			(Dollars in thousands)
	Available-for-sale
	Mortgage-backed securities	$	30,700		$	295		$	137		$	30,858
	Corporate bonds		3,498			12			21			3,489
	Collateralized mortgage obligation ("CMO") securities		20,480			338			86			20,732
	State and political subdivisions - taxable		15,180			94			348			14,926
	State and political subdivisions - tax exempt		-			-			-			-
		$	69,858		$	739		$	592		$	70,005



			31-Dec-13
		Amortized			Gross Unrealized						Fair
		Costs			Gains			Losses			Values

			(Dollars in thousands)
	Available-for-sale
	Mortgage-backed securities	$	22,258		$	186		$	302		$	22,142
	Corporate bonds		5,996			53			48			6,001
	Collateralized mortgage obligation ("CMO") securities		27,186			345			198			27,333
	State and political subdivisions - taxable		15,024			56			753			14,327
	State and political subdivisions - tax exempt		1,637			71			-			1,708
		$	72,101		$	711		$	1,301		$	71,511










		30-Jun-14
		Amortized			Gross Unrealized						Fair
		Costs			Gains			Losses			Values

	Held-to-maturity		(Dollars in thousands)
	Tax-exempt municipal bonds	$	2,373		$	241		$	-		$	2,614
		$	2,373		$	241		$	-		$	2,614



		31-Dec-13
		Amortized			Gross Unrealized						Fair
		Costs			Gains			Losses			Values

	Held-to-maturity		(Dollars in thousands)
	Tax-exempt municipal bonds	$	2,375		$	138		$	3		$	2,510
		$	2,375		$	138		$	3		$	2,510

	Management’s assessment for the current quarter ended June 30, 2014, resulted in no recognition of other than temporary impairment (“OTTI”).
	The following table summarizes securities with unrealized losses at June 30, 2014, and December 31, 2013, 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 June 30, 2014, 43 out of 101 securities the Company held had fair values less than amortized cost primarily in municipal and mortgage-backed securities. At December 31, 2013, 39 out of 101 securities the Company held had fair values less than amortized cost, primarily in municipal and mortgage-backed securities. All unrealized losses are considered by management to be temporary given investment security credit ratings, 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 the Company will be required to sell the securities before their anticipated recovery.


	30-Jun-14
	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:
Mortgage-backed securities	$	8,138		$	27		$	4,421		$	110		$	12,559	$	137
Corporate bonds		993			6			1,484			15			2,477		21
CMO securities		2,613			8			4,887			78			7,500		86
State & political subdivisions-taxable		4,223			46			7,522			302			11,745		348
State & political subdivisions-tax exempt		-			-			-			-			-		-
All securities	$	15,967		$	87		$	18,314		$	505		$	34,281	$	592








	31-Dec-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:
Mortgage-backed securities	$	9,599		$	248		$	856		$	54		$	10,455	$	302
Corporate bonds		-			-			1,949			48			1,949		48
CMO securities		8,183			198			-			-			8,183		198
State and political subdivisions-taxable		8,129			564			2,536			189			10,665		753
State and political subdivisions-tax exempt		-			-			-			-			-		-
All securities	$	25,911		$	1,010		$	5,341		$	291		$	31,252	$	1,301

Restricted equity securities consist primarily of Federal Home Loan Bank of Atlanta stock in the amount of $2.5 million and $2.0 million as of June 30, 2014, and December 31, 2013, respectively, and Federal Reserve Bank stock in the amount of $1.6 million at June 30, 2014, and $1.5 million at December 31, 2013. 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 Company’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 $1.9 million and $1.4 million were pledged as collateral at June 30, 2014, and December 31, 2013, respectively, to secure purchases of federal funds, repurchase agreements, and collateral for customer deposits.

Loans

Loans	6 Months Ended
Loans	Jun. 30, 2014
Loans [Abstract]	'
Loans	'

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


		June 30,			December 31,
		2014			2013

			(Dollars in thousands)

	Real estate
	Residential	$	146,893		$	142,702
	Commercial		174,984			165,216
	Residential Construction		30,436			22,603
	Other Construction, Land
	Development & Other Land		46,361			43,257
	Commercial		61,525			55,947
	Consumer		1,631			1,615
	Total loans		461,830			431,340
	Less:
	Allowance for loan losses		7,894			8,165
	Net deferred fees		-248			-15
	Loans, net	$	453,688		$	423,160

	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, and other business assets. 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 the Bank.
	Activity in the allowance for loan losses for the six months ended is as follows:


		June 30,
		2014				2013

		(Dollars in thousands)

	Balance, beginning of period	$	8,165			$	7,269
	(Recovery of) provision for loan losses		-292				100
	Recoveries		477				3,136
	Charge-offs		-456				-1,923
	Balance, end of period	$	7,894			$	8,582
	Ratio of allowance for loan
	losses as a percent of loans
	outstanding at the end of the period		1.71	%			2.08	%




	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, April 1, 2014	$	2,711		$	2,912		$	760	$	636	$	985	$	15	$	8,019
Provision for loan losses		381			-11			-303		-17		-49		-1		-
Recoveries		3			-			167		-		17		-		187
Charge-offs		-312			-			-		-		-		-		-312
Balance, June 30, 2014	$	2,783		$	2,901		$	624	$	619	$	953	$	14	$	7,894

Balance, April 1, 2013	$	2,577		$	2,898		$	375	$	658	$	947	$	12	$	7,467
Provision for loan losses		361			-70			76		-471		100		4		-
Recoveries		4			998			62		1,217		1		-		2,282
Charge-offs		-84			-333			-38		-660		-52		-		-1,167
Balance, June 30, 2013	$	2,858		$	3,493		$	475	$	744	$	996	$	16	$	8,582




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

		(Dollars in thousands)
Balance, January 1, 2014	$	2,891		$	3,050		$	591	$	624	$	996	$	13	$	8,165
Provision for loan losses		336			-149			-135		-5		-340		1		-292
Recoveries		12			-			168		-		297		-		477
Charge-offs		-456			-			-		-		-		-		-456
Balance, June 30, 2014	$	2,783		$	2,901		$	624	$	619	$	953	$	14	$	7,894

Balance, January 1, 2013	$	2,654		$	2,947		$	284	$	606	$	762	$	16	$	7,269
Provision for loan losses		353			-119			-645		124		387		-		100
Recoveries		7			998			904		1,224		3		-		3,136
Charge-offs		-156			-333			-68		-1,210		-156		-		-1,923
Balance, June 30, 2013	$	2,858		$	3,493		$	475	$	744	$	996	$	16	$	8,582

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 June 30, 2014, and December 31, 2013:


	30-Jun-14
				90+ Days
	30-89 Day			Past Due
	Past Due			and Accruing			Nonaccrual		Current		Total

		(Dollars in thousands)
Real estate
Residential	$	729		$	-		$	1,854	$	144,310	$	146,893
Commercial		-			-			494		174,490		174,984
Residential Construction		-			-			155		30,281		30,436
Other Construction, Land
Development & Other Land		-			-			1,382		44,979		46,361
Commercial		-			-			47		61,478		61,525
Consumer		29			-			-		1,602		1,631
Total	$	758		$	-		$	3,932	$	457,140	$	461,830






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

		(Dollars in thousands)
Real estate
Residential	$	748		$	-		$	1,720	$	140,234	$	142,702
Commercial		-			-			560		164,656		165,216
Residential Construction		-			-			414		22,189		22,603
Other Construction, Land
Development & Other Land		-			-			1,402		41,855		43,257
Commercial		182			-			371		55,394		55,947
Consumer		57			-			-		1,558		1,615
Total	$	987		$	-		$	4,467	$	425,886	$	431,340

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 June 30, 2014, and December 31, 2013:


	30-Jun-14
				Special
	Pass			Mention			Substandard		Doubtful		Loss		Total

		(Dollars in thousands)
Real estate
Residential	$	132,128		$	10,447		$	4,318	$	-	$	-	$	146,893
Commercial		169,780			3,597			1,607		-		-		174,984
Residential Construction		29,267			880			289		-		-		30,436
Other Construction, Land
Development & Other Land		36,051			3,219			7,091		-		-		46,361
Commercial		59,879			1,599			47		-		-		61,525
Consumer		1,602			-			29		-		-		1,631
Total	$	428,707		$	19,742		$	13,381	$	-	$	-	$	461,830



		31-Dec-13
				Special
	Pass			Mention			Substandard		Doubtful		Loss		Total

		(Dollars in thousands)
Real estate
Residential	$	133,389		$	5,523		$	3,790	$	-	$	-	$	142,702
Commercial		157,028			5,272			2,916		-		-		165,216
Residential Construction		21,330			355			918		-		-		22,603
Other Construction, Land
Development & Other Land		32,914			2,504			7,839		-		-		43,257
Commercial		53,794			1,227			926		-		-		55,947
Consumer		1,558			57			-		-		-		1,615
Total	$	400,013		$	14,938		$	16,389	$	-	$	-	$	431,340




These credit quality grades 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 June 30, 2014 on June 16 and 17, 2014. The loan risk rankings were updated for the year ended December 31, 2013 on December 10 and 11, 2013.



The following table provides details regarding impaired loans by segment and class at June 30, 2014 and December 31, 2013:



	30-Jun-14								31-Dec-13
				Unpaid							Unpaid
	Recorded			Principal			Related		Recorded		Principal		Related
	Investment			Balance			Allowance		Investment		Balance		Allowance

	(Dollars in thousands)
With no related allowance:
Real estate
Residential	$	2,123		$	2,808		$	-	$	1,720	$	2,238	$	-
Commercial		494			872			-		560		916		-
Residential Construction		155			377			-		414		630		-
Other Construction, Land
Development & Other Land		6,171			9,005			-		2,222		3,009		-
Commercial		47			109			-		371		959		-
Consumer		-			-			-		-		-		-
Total	$	8,990		$	13,171		$	-	$	5,287	$	7,752	$	-

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

Total
Real estate
Residential	$	2,123		$	2,808		$	-	$	1,720	$	2,238	$	-
Commercial		494			872			-		560		916		-
Residential Construction		155			377			-		414		630		-
Other Construction, Land
Development & Other Land		6,171			9,005			-		2,222		3,009		-
Commercial		47			109			-		371		959		-
Consumer		-			-			-		-		-		-
Total	$	8,990		$	13,171		$	-	$	5,287	$	7,752	$	-




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-Jun-14
Allowance for loan losses, evaluated
Individually	$	-		$	-		$	-	$	-	$	-	$	-	$	-
Collectively		2,783			2,901			624		619		953		14		7,894
Total ending allowance	$	2,783		$	2,901		$	624	$	619	$	953	$	14	$	7,894

Loans, evaluated
Individually	$	2,123		$	494		$	155	$	6,171	$	47	$	-	$	8,990
Collectively		144,770			174,490			30,281		40,190		61,478		1,631		452,840
Total ending loans	$	146,893		$	174,984		$	30,436	$	46,361	$	61,525	$	1,631	$	461,830

31-Dec-13
Allowance for loan losses, evaluated
Individually	$	-		$	-		$	-	$	-	$	-	$	-	$	-
Collectively		2,891			3,050			591		624		996		13		8,165
Total ending allowance	$	2,891		$	3,050		$	591	$	624	$	996	$	13	$	8,165

Loans, evaluated
Individually	$	1,720		$	560		$	414	$	2,222	$	371	$	-	$	5,287
Collectively		140,982			164,656			22,189		41,035		55,576		1,615		426,053
Total ending loans	$	142,702		$	165,216		$	22,603	$	43,257	$	55,947	$	1,615	$	431,340

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						Six Months Ended
	30-Jun-14						30-Jun-14
	Interest			Average			Interest		Average
	Income			Recorded			Income		Recorded
	Recognized			Investment			Recognized		Investment

		(Dollars in thousands)						(Dollars in thousands)

Real estate
Residential	$	55		$	1,835		$	98	$	1,797
Commercial		22			512			34		528
Residential Construction		6			157			9		243
Other Construction, Land
Development & Other Land		183			4,179			284		3,527
Commercial		1			48			1		156
Consumer		-			-			-		-
Total	$	267		$	6,731		$	426	$	6,251



	Three Months Ended						Six Months Ended
	30-Jun-13						30-Jun-13
	Interest			Average			Interest		Average
	Income			Recorded			Income		Recorded
	Recognized			Investment			Recognized		Investment

		(Dollars in thousands)						(Dollars in thousands)

Real estate
Residential	$	17		$	1,462		$	53	$	1,703
Commercial		4			656			19		708
Residential Construction		-4			918			-2		1,030
Other Construction, Land
Development & Other Land		23			4,375			60		4,726
Commercial		1			405			2		449
Consumer		-			-			-		-
Total	$	41		$	7,816		$	132	$	8,616

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
ASC 310 defines a troubled debt restructuring as a restructuring of a debt where a creditor for economic or legal reasons related to a debtor’s financial difficulties grants a concession to the debtor that it would not otherwise render. The concession is granted by the creditor in an attempt to protect as much of its investment as possible. The concession either stems from an agreement between the creditor and the debtor or is imposed by law or a court. Troubled debt restructurings include modification of the terms of a debt, such as a reduction of the stated interest rate lower thant he current market for new debt with similar risk, a reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement, or a reduction of accrued interest.
Management reviews all restructured loans that occur during the year for identification as troubled debt restructurings. Management identified as troubled debt restructurings certain loans for which the allowance for loan losses had previously been measured under a general allowance for loan losses methodology (ASC 450). Upon identifying the reviewed loans as troubled debt restructurings, management also identified them as impaired under the guidance in ASC 310.
Modification Categories
The Company offers a variety of modifications to borrowers. The modification alternatives 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 June 30, 2014, and December 31, 2013, there were no available commitments outstanding for troubled debt restructurings.
The following tables present troubled debt restructurings as of June 30, 2014, and December 31, 2013:



	30-Jun-14
	Total
	Number			Accrual			Nonaccrual		Total
	of Contracts			Status			Status		Modifications

		(Dollars in thousands)

Real estate
Residential		1		$	269		$	-	$	269
Commercial		-			-			-		-
Residential Construction		-			-			-		-
Other Construction, Land
Development & Other Land		4			4,789			1,072		5,861
Commercial		-			-			-		-
Consumer		-			-			-		-
Total		5		$	5,058		$	1,072	$	6,130






	31-Dec-13
	Total
	Number			Accrual			Nonaccrual		Total
	of Contracts			Status			Status		Modifications

		(Dollars in thousands)

Real estate
Residential		1		$	-		$	113	$	113
Commercial		-			-			-		-
Residential Construction		-			-			-		-
Other Construction, Land
Development & Other Land		3			820			1,093		1,913
Commercial		-			-			-		-
Consumer		-			-			-		-
Total		4		$	820		$	1,206	$	2,026

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 six months ended June 30, 2014, or 2013, 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 or six month periods ended June 30, 2014 or 2013.

Other_Real_Estate_Owned

Other Real Estate Owned	6 Months Ended
Other Real Estate Owned	Jun. 30, 2014
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:



		Six Months Ended
		June 30,
		2014		2013

		(dollars in thousands)

	Beginning Balance	$	2,658	$	3,771
	Additions		118		2,298
	Sales		-497		-3,767
	Write-downs		-		-144
	Ending Balance	$	2,279	$	2,158

Fair_Value_Disclosures

Fair Value Disclosures	6 Months Ended
Fair Value Disclosures	Jun. 30, 2014
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 data for substantially the full term of the asset or liability.
	Level 3 – Valuation is based on unobservable data 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). The Company obtains a single quote for all securities. Quotes for all of the securities are provided by the 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 June 30, 2014, and December 31, 2013. 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 the borrowings at the FHLB, or, in the case of the FRB, changes in certain portions of The Company’s capital.


		30-Jun-14
		Fair Value Measurements Using									Fair
		Level 1			Level 2			Level 3			Values

		(Dollars in thousands)
	Assets:
	Available-for-sale securities	$	-		$	70,005		$	-		$	70,005



		31-Dec-13
		Fair Value Measurements Using									Fair
		Level 1			Level 2			Level 3			Values

		(Dollars in thousands)
	Assets:
	Available-for-sale securities	$	-		$	71,511		$	-		$	71,511

	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 2). 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. The Company considers the value of a partially completed project for the Company’s loan analysis. For nonperforming construction loans, the Company obtains a valuation of each partially completed project “as is” from a third party appraiser. The Company uses 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. Other 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 the Company’s financial assets that were measured at fair value on a nonrecurring basis during the periods noted.


		30-Jun-14
		Fair Value Measurements Using									Fair
		Level 1			Level 2			Level 3			Values

		(Dollars in thousands)
	Impaired loans	$	-		$	-		$	8,990		$	8,990
	Loans held for sale		-			-			-			-
	Other real estate owned		-			-			2,279			2,279
	Total	$	-		$	-		$	11,269		$	11,269



		31-Dec-13
		Fair Value Measurements Using									Fair
		Level 1			Level 2			Level 3			Values

		(Dollars in thousands)
	Impaired loans	$	-		$	-		$	5,287		$	5,287
	Loans held for sale		-			992			-			992
	Other real estate owned		-			-			2,658			2,658
Total	$	-		$	992		$	7,945		$	8,937

The methods and assumptions, not previously presented, used by the Company in estimating fair values are 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 June 30, 2014, and December 31, 2013, 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 June 30, 2014, or December 31, 2013. Gains and losses on the sale of loans are recorded as 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 the Company’s 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 June 30, 2014, and December 31, 2013.
The estimated fair values of the Company’s financial instruments as of June 30, 2014, and December 31, 2013, are as follows:



	30-Jun-14						31-Dec-13
	Carrying			Fair			Carrying			Fair
	Amount			Value			Amount			Value

	(Dollars in thousands)						(Dollars in thousands)
Financial assets
Cash and cash equivalents	$	16,325		$	16,325		$	14,187		$	14,187
Investment securities		72,378			72,618			73,886			74,021
Loans receivable, net		453,688			446,505			423,160			416,841
Loans held for sale		-			-			992			997
Accrued interest		1,721			1,721			1,701			1,701
BOLI		9,742			9,742			9,580			9,580

Financial liabilities
Deposits	$	467,789		$	461,378		$	455,968		$	447,956
FHLB advances		45,000			45,734			30,000			30,742
Subordinated debt		13,607			9,990			7,155			3,577
Repurchase agreements		1,925			1,925			1,393			1,393

The Company assumes interest rate risk (the risk that general interest rate levels will change) as a result of the Company’s normal operations. As a result, the fair values of the Company’s financial instruments will change when interest rate 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 the Company’s overall interest rate risk.

Recently_Issued_Accounting_Pro

Recently Issued Accounting Pronouncements	6 Months Ended
Recently Issued Accounting Pronouncements	Jun. 30, 2014
Recently Issued Accounting Pronouncements [Abstract]	'
Recently Issued Accounting Pronouncements	'
	Note 9 – Recently Issued Accounting Pronouncements
	In January 2014, the FASB issued Accounting Standards Update (ASU) No. 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40) – Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments are intended to clarify when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate recognized. These amendments clarify that an in substance repossession for foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either: (a) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure; or (b) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additional disclosures are required. The amendments are effective for public business entities for annual periods and interim periods within those annual periods beginning after December 15, 2014. The adoption of this ASU is not expected to have a material impact on the Company’s consolidated financial statements.
	In May of 2014, the FASB issued Accounting Standards Update (“ASU”) No. 2014-09, Revenue from Contracts with Customers (Topic 606). The guidance in this Update superseded the revenue recognition requirements in Topic 605, Revenue Recognition, and most industry-specific guidance throughout the Industry Topics of Codification. The guidance in this Update affects any entity that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of non-financial assets. This amendment is intended to clarify that an entity recognizes revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The amendments are effective for public business entities for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. Early application is not permitted. The adoption of this ASU is not expected to have a material impact on the Company’s consolidated financial statements.

	In June of 2014, the FASB issued Accounting Standards Update (“ASU”) No. 2014-11, Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures The amendments in this Update require that repurchase-to-maturity transactions be accounted for as secured borrowings consistent with the accounting for other repurchase agreements. In addition, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty (a repurchase financing), which will result in secured borrowing accounting for the repurchase agreement. The amendments require an entity to disclose information about transfers accounted for as sales in transactions that are economically similar to repurchase agreements, in which the transferor retains substantially all of the exposure to the economic return on the transferred financial asset throughout the term of the transaction. In addition the amendments require disclosure of the types of collateral pledged in repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions and the tenor of those transactions. The amendments are effective for public business entities for the first interim or annual period beginning after December 15, 2014, and for all other entities, the accounting changes are effective for annual periods beginning after December 15, 2014, and interim periods beginning after December 15, 2015. The adoption of this ASU is not expected to have a material impact on the Company’s consolidated financial statements.

	In June of 2014, the FASB issued Accounting Standards Update (“ASU”) No. 2014-12, Compensation – Stock Compensation (Topic 718) – Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period. The amendments in this Update require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. The amendments apply to reporting entities that grant their employees share-based payments in which the terms of the award provide that a performance target can be achieved after the requisite service period. For all entities, the amendments in this Update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Early adoption is permitted. The adoption of this ASU is not expected to have a material impact on the Company’s consolidated financial statements.

Preferred_Stock

Preferred Stock	6 Months Ended
Preferred Stock	Jun. 30, 2014
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, there were 5,531 shares outstanding at December 31, 2013.

	On January 10, 2014, the Company redeemed the remaining 5,531 shares of its Cumulative Perpetual Preferred Stock, Series A (“Preferred Stock”), for $5.6 million. The Preferred Stock paid a cumulative dividend quarterly at a rate of 5% per annum. Effective April 2014, the dividend rate would have increased to 9% per annum. The Preferred Stock was redeemable at the option of the Company subject to regulatory approval which was received in November 2013. No shares of the Preferred Stock remain outstanding and 2,000,000 shares remain authorized as of June 30, 2014.

Common_Stock

Common Stock	6 Months Ended
Common Stock	Jun. 30, 2014
Common Stock [Abstract]	'
Common Stock	'
	Note 11—Common Stock
	During the second quarter of 2014, the Board of Directors approved a change to the par value of the Company’s Common Stock from $4.00 per share to $.01 per share. The change was effective on June 24, 2014. Equity reclassifications related to this change in par value are included in the accompanying Consolidated Statements of Stockholders’ Equity. With 30,000,000 authorized shares of Common Stock, at June 30, 2014, and at December 31, 2013, there were 12,750,065 and 12,551,952 shares outstanding, respectively.

Use_of_Estimates_Policy

Use of Estimates (Policy)	6 Months Ended
Use of Estimates (Policy)	Jun. 30, 2014
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 consolidated financial statements and the disclosures provided, and actual results may be different. 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)	6 Months Ended
Income Per Share (Tables)	Jun. 30, 2014
Income Per Share [Abstract]	'
Basic And Diluted Income Per Share Calculations	'

			Three Months Ended				Six Months Ended
			June 30,				June 30,
			(in thousands,				(in thousands,
			except per share amounts)				except per share amounts)
		2014		2013		2014		2013

	Net income available to common stockholders	$	1,009	$	915	$	1,962	$	1,623
	Weighted average number of shares outstanding		12,544		11,966		12,484		11,950
	Net income per common share - basic	$	0.08	$	0.08	$	0.16	$	0.14

	Effect of dilutive securities:

	Weighted average number of common shares outstanding		12,544		11,966		12,484		11,950
	Effect of stock options, warrants and restricted stock		2,397		1,653		2,410		1,630
	Diluted average common shares outstanding		14,941		13,619		14,894		13,580
	Net income per common share - assuming dilution	$	0.07	$	0.07	$	0.13	$	0.12

Investment_Securities_Tables

Investment Securities (Tables)	6 Months Ended
Investment Securities (Tables)	Jun. 30, 2014
Investment Securities [Abstract]	'
Amortized Costs, Gross Unrealized Gains, Gross Unrealized Losses And Fair Values Of Securities	'


			30-Jun-14
		Amortized		Gross Unrealized				Fair
		Costs		Gains		Losses		Values

			(Dollars in thousands)
	Available-for-sale
	Mortgage-backed securities	$	30,700	$	295	$	137	$	30,858
	Corporate bonds		3,498		12		21		3,489
	Collateralized mortgage obligation ("CMO") securities		20,480		338		86		20,732
	State and political subdivisions - taxable		15,180		94		348		14,926
	State and political subdivisions - tax exempt		-		-		-		-
		$	69,858	$	739	$	592	$	70,005



			31-Dec-13
		Amortized		Gross Unrealized				Fair
		Costs		Gains		Losses		Values

			(Dollars in thousands)
	Available-for-sale
	Mortgage-backed securities	$	22,258	$	186	$	302	$	22,142
	Corporate bonds		5,996		53		48		6,001
	Collateralized mortgage obligation ("CMO") securities		27,186		345		198		27,333
	State and political subdivisions - taxable		15,024		56		753		14,327
	State and political subdivisions - tax exempt		1,637		71		-		1,708
		$	72,101	$	711	$	1,301	$	71,511


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


		30-Jun-14
		Amortized		Gross Unrealized				Fair
		Costs		Gains		Losses		Values

	Held-to-maturity		(Dollars in thousands)
	Tax-exempt municipal bonds	$	2,373	$	241	$	-	$	2,614
		$	2,373	$	241	$	-	$	2,614



		31-Dec-13
		Amortized		Gross Unrealized				Fair
		Costs		Gains		Losses		Values

	Held-to-maturity		(Dollars in thousands)
	Tax-exempt municipal bonds	$	2,375	$	138	$	3	$	2,510
		$	2,375	$	138	$	3	$	2,510


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


		30-Jun-14
		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:
	Mortgage-backed securities	$	8,138	$	27	$	4,421	$	110	$	12,559	$	137
	Corporate bonds		993		6		1,484		15		2,477		21
	CMO securities		2,613		8		4,887		78		7,500		86
	State & political subdivisions-taxable		4,223		46		7,522		302		11,745		348
	State & political subdivisions-tax exempt		-		-		-		-		-		-
	All securities	$	15,967	$	87	$	18,314	$	505	$	34,281	$	592








		31-Dec-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:
	Mortgage-backed securities	$	9,599	$	248	$	856	$	54	$	10,455	$	302
	Corporate bonds		-		-		1,949		48		1,949		48
	CMO securities		8,183		198		-		-		8,183		198
	State and political subdivisions-taxable		8,129		564		2,536		189		10,665		753
	State and political subdivisions-tax exempt		-		-		-		-		-		-
	All securities	$	25,911	$	1,010	$	5,341	$	291	$	31,252	$	1,301

Loans_Tables

Loans (Tables)	6 Months Ended
Loans (Tables)	Jun. 30, 2014
Loans [Abstract]	'
Classification Of Loans	'


		June 30,			December 31,
		2014			2013

			(Dollars in thousands)

	Real estate
	Residential	$	146,893		$	142,702
	Commercial		174,984			165,216
	Residential Construction		30,436			22,603
	Other Construction, Land
	Development & Other Land		46,361			43,257
	Commercial		61,525			55,947
	Consumer		1,631			1,615
	Total loans		461,830			431,340
	Less:
	Allowance for loan losses		7,894			8,165
	Net deferred fees		-248			-15
	Loans, net	$	453,688		$	423,160


Allowance For Loan Losses	'


		June 30,
		2014				2013

		(Dollars in thousands)

	Balance, beginning of period	$	8,165			$	7,269
	(Recovery of) provision for loan losses		-292				100
	Recoveries		477				3,136
	Charge-offs		-456				-1,923
	Balance, end of period	$	7,894			$	8,582
	Ratio of allowance for loan
	losses as a percent of loans
	outstanding at the end of the period		1.71	%			2.08	%


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, April 1, 2014	$	2,711		$	2,912		$	760	$	636	$	985	$	15	$	8,019
	Provision for loan losses		381			-11			-303		-17		-49		-1		-
	Recoveries		3			-			167		-		17		-		187
	Charge-offs		-312			-			-		-		-		-		-312
	Balance, June 30, 2014	$	2,783		$	2,901		$	624	$	619	$	953	$	14	$	7,894

	Balance, April 1, 2013	$	2,577		$	2,898		$	375	$	658	$	947	$	12	$	7,467
	Provision for loan losses		361			-70			76		-471		100		4		-
	Recoveries		4			998			62		1,217		1		-		2,282
	Charge-offs		-84			-333			-38		-660		-52		-		-1,167
	Balance, June 30, 2013	$	2,858		$	3,493		$	475	$	744	$	996	$	16	$	8,582


Aging Of Unpaid Principal In Loans	'


		30-Jun-14
					90+ Days
		30-89 Day			Past Due
		Past Due			and Accruing			Nonaccrual		Current		Total

			(Dollars in thousands)
	Real estate
	Residential	$	729		$	-		$	1,854	$	144,310	$	146,893
	Commercial		-			-			494		174,490		174,984
	Residential Construction		-			-			155		30,281		30,436
	Other Construction, Land
	Development & Other Land		-			-			1,382		44,979		46,361
	Commercial		-			-			47		61,478		61,525
	Consumer		29			-			-		1,602		1,631
	Total	$	758		$	-		$	3,932	$	457,140	$	461,830






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

			(Dollars in thousands)
	Real estate
	Residential	$	748		$	-		$	1,720	$	140,234	$	142,702
	Commercial		-			-			560		164,656		165,216
	Residential Construction		-			-			414		22,189		22,603
	Other Construction, Land
	Development & Other Land		-			-			1,402		41,855		43,257
	Commercial		182			-			371		55,394		55,947
	Consumer		57			-			-		1,558		1,615
	Total	$	987		$	-		$	4,467	$	425,886	$	431,340


Loan Portfolio By Internally Assigned Grade	'


		30-Jun-14
					Special
		Pass			Mention			Substandard		Doubtful		Loss		Total

			(Dollars in thousands)
	Real estate
	Residential	$	132,128		$	10,447		$	4,318	$	-	$	-	$	146,893
	Commercial		169,780			3,597			1,607		-		-		174,984
	Residential Construction		29,267			880			289		-		-		30,436
	Other Construction, Land
	Development & Other Land		36,051			3,219			7,091		-		-		46,361
	Commercial		59,879			1,599			47		-		-		61,525
	Consumer		1,602			-			29		-		-		1,631
	Total	$	428,707		$	19,742		$	13,381	$	-	$	-	$	461,830



			31-Dec-13
					Special
		Pass			Mention			Substandard		Doubtful		Loss		Total

			(Dollars in thousands)
	Real estate
	Residential	$	133,389		$	5,523		$	3,790	$	-	$	-	$	142,702
	Commercial		157,028			5,272			2,916		-		-		165,216
	Residential Construction		21,330			355			918		-		-		22,603
	Other Construction, Land
	Development & Other Land		32,914			2,504			7,839		-		-		43,257
	Commercial		53,794			1,227			926		-		-		55,947
	Consumer		1,558			57			-		-		-		1,615
	Total	$	400,013		$	14,938		$	16,389	$	-	$	-	$	431,340


Details Regarding Impaired Loans	'


		30-Jun-14								31-Dec-13
					Unpaid							Unpaid
		Recorded			Principal			Related		Recorded		Principal		Related
		Investment			Balance			Allowance		Investment		Balance		Allowance

		(Dollars in thousands)
	With no related allowance:
	Real estate
	Residential	$	2,123		$	2,808		$	-	$	1,720	$	2,238	$	-
	Commercial		494			872			-		560		916		-
	Residential Construction		155			377			-		414		630		-
	Other Construction, Land
	Development & Other Land		6,171			9,005			-		2,222		3,009		-
	Commercial		47			109			-		371		959		-
	Consumer		-			-			-		-		-		-
	Total	$	8,990		$	13,171		$	-	$	5,287	$	7,752	$	-

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

	Total
	Real estate
	Residential	$	2,123		$	2,808		$	-	$	1,720	$	2,238	$	-
	Commercial		494			872			-		560		916		-
	Residential Construction		155			377			-		414		630		-
	Other Construction, Land
	Development & Other Land		6,171			9,005			-		2,222		3,009		-
	Commercial		47			109			-		371		959		-
	Consumer		-			-			-		-		-		-
	Total	$	8,990		$	13,171		$	-	$	5,287	$	7,752	$	-


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-Jun-14
	Allowance for loan losses, evaluated
	Individually	$	-		$	-		$	-	$	-	$	-	$	-	$	-
	Collectively		2,783			2,901			624		619		953		14		7,894
	Total ending allowance	$	2,783		$	2,901		$	624	$	619	$	953	$	14	$	7,894

	Loans, evaluated
	Individually	$	2,123		$	494		$	155	$	6,171	$	47	$	-	$	8,990
	Collectively		144,770			174,490			30,281		40,190		61,478		1,631		452,840
	Total ending loans	$	146,893		$	174,984		$	30,436	$	46,361	$	61,525	$	1,631	$	461,830

	31-Dec-13
	Allowance for loan losses, evaluated
	Individually	$	-		$	-		$	-	$	-	$	-	$	-	$	-
	Collectively		2,891			3,050			591		624		996		13		8,165
	Total ending allowance	$	2,891		$	3,050		$	591	$	624	$	996	$	13	$	8,165

	Loans, evaluated
	Individually	$	1,720		$	560		$	414	$	2,222	$	371	$	-	$	5,287
	Collectively		140,982			164,656			22,189		41,035		55,576		1,615		426,053
	Total ending loans	$	142,702		$	165,216		$	22,603	$	43,257	$	55,947	$	1,615	$	431,340


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


		Three Months Ended						Six Months Ended
		30-Jun-14						30-Jun-14
		Interest			Average			Interest		Average
		Income			Recorded			Income		Recorded
		Recognized			Investment			Recognized		Investment

			(Dollars in thousands)						(Dollars in thousands)

	Real estate
	Residential	$	55		$	1,835		$	98	$	1,797
	Commercial		22			512			34		528
	Residential Construction		6			157			9		243
	Other Construction, Land
	Development & Other Land		183			4,179			284		3,527
	Commercial		1			48			1		156
	Consumer		-			-			-		-
	Total	$	267		$	6,731		$	426	$	6,251



		Three Months Ended						Six Months Ended
		30-Jun-13						30-Jun-13
		Interest			Average			Interest		Average
		Income			Recorded			Income		Recorded
		Recognized			Investment			Recognized		Investment

			(Dollars in thousands)						(Dollars in thousands)

	Real estate
	Residential	$	17		$	1,462		$	53	$	1,703
	Commercial		4			656			19		708
	Residential Construction		-4			918			-2		1,030
	Other Construction, Land
	Development & Other Land		23			4,375			60		4,726
	Commercial		1			405			2		449
	Consumer		-			-			-		-
	Total	$	41		$	7,816		$	132	$	8,616


Troubled Debt Restructurings	'


		30-Jun-14
		Total
		Number			Accrual			Nonaccrual		Total
		of Contracts			Status			Status		Modifications

			(Dollars in thousands)

	Real estate
	Residential		1		$	269		$	-	$	269
	Commercial		-			-			-		-
	Residential Construction		-			-			-		-
	Other Construction, Land
	Development & Other Land		4			4,789			1,072		5,861
	Commercial		-			-			-		-
	Consumer		-			-			-		-
	Total		5		$	5,058		$	1,072	$	6,130






		31-Dec-13
		Total
		Number			Accrual			Nonaccrual		Total
		of Contracts			Status			Status		Modifications

			(Dollars in thousands)

	Real estate
	Residential		1		$	-		$	113	$	113
	Commercial		-			-			-		-
	Residential Construction		-			-			-		-
	Other Construction, Land
	Development & Other Land		3			820			1,093		1,913
	Commercial		-			-			-		-
	Consumer		-			-			-		-
	Total		4		$	820		$	1,206	$	2,026

Other_Real_Estate_Owned_Table

Other Real Estate Owned (Table)	6 Months Ended
Other Real Estate Owned (Table)	Jun. 30, 2014
Other Real Estate Owned [Abstract]	'
Changes In Other Real Estate Owned	'


		Six Months Ended
		June 30,
		2014		2013

		(dollars in thousands)

	Beginning Balance	$	2,658	$	3,771
	Additions		118		2,298
	Sales		-497		-3,767
	Write-downs		-		-144
	Ending Balance	$	2,279	$	2,158

Fair_Value_Disclosures_Tables

Fair Value Disclosures (Tables)	6 Months Ended
Fair Value Disclosures (Tables)	Jun. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value Of Assets And Liabilities Measured On A Recurring Basis	'


		30-Jun-14
		Fair Value Measurements Using						Fair
		Level 1		Level 2		Level 3		Values

		(Dollars in thousands)
	Assets:
	Available-for-sale securities	$	-	$	70,005	$	-	$	70,005



		31-Dec-13
		Fair Value Measurements Using						Fair
		Level 1		Level 2		Level 3		Values

		(Dollars in thousands)
	Assets:
	Available-for-sale securities	$	-	$	71,511	$	-	$	71,511


Fair Value Of Assets Measured On A Nonrecurring Basis	'


		30-Jun-14
		Fair Value Measurements Using						Fair
		Level 1		Level 2		Level 3		Values

		(Dollars in thousands)
	Impaired loans	$	-	$	-	$	8,990	$	8,990
	Loans held for sale		-		-		-		-
	Other real estate owned		-		-		2,279		2,279
	Total	$	-	$	-	$	11,269	$	11,269



		31-Dec-13
		Fair Value Measurements Using						Fair
		Level 1		Level 2		Level 3		Values

		(Dollars in thousands)
	Impaired loans	$	-	$	-	$	5,287	$	5,287
	Loans held for sale		-		992		-		992
	Other real estate owned		-		-		2,658		2,658
	Total	$	-	$	992	$	7,945	$	8,937


Fair Value Of Financial Instruments	'


		30-Jun-14				31-Dec-13
		Carrying		Fair		Carrying		Fair
		Amount		Value		Amount		Value

		(Dollars in thousands)				(Dollars in thousands)
	Financial assets
	Cash and cash equivalents	$	16,325	$	16,325	$	14,187	$	14,187
	Investment securities		72,378		72,618		73,886		74,021
	Loans receivable, net		453,688		446,505		423,160		416,841
	Loans held for sale		-		-		992		997
	Accrued interest		1,721		1,721		1,701		1,701
	BOLI		9,742		9,742		9,580		9,580

	Financial liabilities
	Deposits	$	467,789	$	461,378	$	455,968	$	447,956
	FHLB advances		45,000		45,734		30,000		30,742
	Subordinated debt		13,607		9,990		7,155		3,577
	Repurchase agreements		1,925		1,925		1,393		1,393

Basis_Of_Presentation_Details

Basis Of Presentation (Details) (USD $)	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2014	Dec. 31, 2013
	Jun. 30, 2014	Scenario, Previously Reported [Member]	Scenario, Previously Reported [Member]
Basis Of Presentation [Line Items]	'	'	'
Common stock, par value	$0.01	$4	$4
Common stock exchange ratio	100.00%	'	'

Income_Per_Share_Narrative_Det

Income Per Share (Narrative) (Details) (Options [Member])	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Options [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	31	324	31	324

Income_Per_Share_Basic_And_Dil

Income Per Share (Basic And Diluted Income Per Share Calculations) (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Income Per Share [Abstract]	'	'	'	'
Net income available to common stockholders	$1,009	$915	$1,962	$1,623
Weighted average number of shares outstanding	12,544	11,966	12,484	11,950
Net income per common share - basic	$0.08	$0.08	$0.16	$0.14
Effect of stock options and warrants	2,397	1,653	2,410	1,630
Diluted average common shares outstanding	14,941	13,619	14,894	13,580
Net income per common share - assuming dilution	$0.07	$0.07	$0.13	$0.12

Stock_Options_Details

Stock Options (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Stock Options [Abstract]	'	'	'	'
Stock based compensation expense	$76	$158	$159	$233

Investment_Securities_Narrativ

Investment Securities (Narrative) (Details) (USD $)	6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
	security	security
Investment Securities [Abstract]	'	'
Number of available-for-sale securities held at fair values less than amortized cost	43	39
Total number of available-for-sale securities	101	101
Restricted equity securities, value of stock	$2.50	$2
Federal Reserve Bank Stock, value of stock	1.6	1.5
Required bank stock percentage of outstanding borrowings	4.50%	'
Required bank stock par value to outstanding capital, percentage	3.00%	'
Securities pledged as collateral	$1.90	$1.40

Investment_Securities_Amortize

Investment Securities (Amortized Costs, Gross Unrealized Gains, Gross Unrealized Losses And Fair Values Of Securities) (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	$69,858	$72,101
Gross Unrealized Gains	739	711
Gross Unrealized Losses	592	1,301
Fair Values	70,005	71,511	[1]
Mortgage-Backed Securities [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	30,700	22,258
Gross Unrealized Gains	295	186
Gross Unrealized Losses	137	302
Fair Values	30,858	22,142
Corporate Bonds [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	3,498	5,996
Gross Unrealized Gains	12	53
Gross Unrealized Losses	21	48
Fair Values	3,489	6,001
Collateralized Mortgage Obligations ("CMO") Securities [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	20,480	27,186
Gross Unrealized Gains	338	345
Gross Unrealized Losses	86	198
Fair Values	20,732	27,333
State And Political Subdivisions-Taxable [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	15,180	15,024
Gross Unrealized Gains	94	56
Gross Unrealized Losses	348	753
Fair Values	14,926	14,327
State And Political Subdivisions-Tax Exempt [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Amortized Costs	'	1,637
Gross Unrealized Gains	'	71
Fair Values	'	$1,708

[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 $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Schedule of Held-to-maturity Securities [Line Items]	'	'
Amortized Costs	$2,373	$2,375
Gross Unrealized Gains	241	138
Gross Unrealized Losses	'	3
Fair Values	2,614	2,510
Tax-Exempt Municipal Bonds [Member]	'	'
Schedule of Held-to-maturity Securities [Line Items]	'	'
Amortized Costs	2,373	2,375
Gross Unrealized Gains	241	138
Gross Unrealized Losses	'	3
Fair Values	$2,614	$2,510

Investment_Securities_Unrealiz

Investment Securities (Unrealized Loss And Fair Value Of Available-For-Sale Securities) (Details) (USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	$15,967	$25,911
Unrealized Losses, Less than 12 Months	87	1,010
Fair Value, 12 Months or More	18,314	5,341
Unrealized Losses, 12 Months or More	505	291
Fair Value	34,281	31,252
Unrealized Losses	592	1,301
Mortgage-Backed Securities [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	8,138	9,599
Unrealized Losses, Less than 12 Months	27	248
Fair Value, 12 Months or More	4,421	856
Unrealized Losses, 12 Months or More	110	54
Fair Value	12,559	10,455
Unrealized Losses	137	302
Corporate Bonds [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	993	'
Unrealized Losses, Less than 12 Months	6	'
Fair Value, 12 Months or More	1,484	1,949
Unrealized Losses, 12 Months or More	15	48
Fair Value	2,477	1,949
Unrealized Losses	21	48
Collateralized Mortgage Obligations ("CMO") Securities [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	2,613	8,183
Unrealized Losses, Less than 12 Months	8	198
Fair Value, 12 Months or More	4,887	'
Unrealized Losses, 12 Months or More	78	'
Fair Value	7,500	8,183
Unrealized Losses	86	198
State And Political Subdivisions-Taxable [Member]	'	'
Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	4,223	8,129
Unrealized Losses, Less than 12 Months	46	564
Fair Value, 12 Months or More	7,522	2,536
Unrealized Losses, 12 Months or More	302	189
Fair Value	11,745	10,665
Unrealized Losses	348	753
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	'	'

Loans_Narrative_Details

Loans (Narrative) (Details) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014
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 $)	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013		Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013		Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	$461,830	'	$431,340		'	'	'
Allowance for loan losses	7,894	8,019	8,165		8,582	7,467	7,269
Net deferred (fees) costs	-248	'	-15		'	'	'
Loans, net	453,688	'	423,160	[1]	'	'	'
Residential [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	146,893	'	142,702		'	'	'
Allowance for loan losses	2,783	2,711	2,891		2,858	2,577	2,654
RE-Commercial [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	174,984	'	165,216		'	'	'
Allowance for loan losses	2,901	2,912	3,050		3,493	2,898	2,947
Residential Construction [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	30,436	'	22,603		'	'	'
Allowance for loan losses	624	760	591		475	375	284
Other Construction, Land Development & Other Land [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	46,361	'	43,257		'	'	'
Allowance for loan losses	619	636	624		744	658	606
Commercial [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	61,525	'	55,947		'	'	'
Allowance for loan losses	953	985	996		996	947	762
Consumer [Member]	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'		'	'	'
Total loans	1,631	'	1,615		'	'	'
Allowance for loan losses	$14	$15	$13		$16	$12	$16

[1]	Derived from audited, consolidated financial statements

Loans_Allowance_For_Loan_Losse

Loans (Allowance For Loan Losses) (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Loans [Abstract]	'	'	'	'
Beginning balance	$8,019	$7,467	$8,165	$7,269
(Recovery of) provision for loan losses	'	'	-292	100
Recoveries	187	2,282	477	3,136
Charge-offs	-312	-1,167	-456	-1,923
Ending balance	$7,894	$8,582	$7,894	$8,582
Ratio of allowance for loan losses as a percent of loans outstanding at the end of the period	1.71%	2.08%	1.71%	2.08%

Loans_Allowance_For_Loan_Losse1

Loans (Allowance For Loan Losses By Portfolio Segment) (Details) (USD $)	3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Dec. 31, 2012
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Residential [Member]	Residential [Member]	Residential [Member]	Residential [Member]	RE-Commercial [Member]	RE-Commercial [Member]	RE-Commercial [Member]	RE-Commercial [Member]	Residential Construction [Member]	Residential Construction [Member]	Residential Construction [Member]	Residential Construction [Member]	Other Construction, Land Development & Other Land [Member]	Other Construction, Land Development & Other Land [Member]	Other Construction, Land Development & Other Land [Member]	Other Construction, Land Development & Other Land [Member]	Commercial [Member]	Commercial [Member]	Commercial [Member]	Commercial [Member]	Consumer [Member]	Consumer [Member]	Consumer [Member]	Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	$8,019	$7,467	$8,165	$7,269	$2,711	$2,577	$2,891	$2,654	$2,912	$2,898	$3,050	$2,947	$760	$375	$591	$284	$636	$658	$624	$606	$985	$947	$996	$762	$15	$12	$13	$16
Provision for loan losses	'	'	-292	100	381	361	336	353	-11	-70	-149	-119	-303	76	-135	-645	-17	-471	-5	124	-49	100	-340	387	-1	4	1	'
Recoveries	187	2,282	477	3,136	3	4	12	7	'	998	'	998	167	62	168	904	'	1,217	'	1,224	17	1	297	3	'	'	'	'
Charge-offs	-312	-1,167	-456	-1,923	-312	-84	-456	-156	'	-333	'	-333	'	-38	'	-68	'	-660	'	-1,210	'	-52	'	-156	'	'	'	'
Ending balance	$7,894	$8,582	$7,894	$8,582	$2,783	$2,858	$2,783	$2,858	$2,901	$3,493	$2,901	$3,493	$624	$475	$624	$475	$619	$744	$619	$744	$953	$996	$953	$996	$14	$16	$14	$16

Loans_Aging_Of_Unpaid_Principa

Loans (Aging Of Unpaid Principal In Loans) (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	$758	$987
90+ Days Past Due And Accruing	'	'
Nonaccrual	3,932	4,467
Current	457,140	425,886
Total loans	461,830	431,340
Residential [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	729	748
90+ Days Past Due And Accruing	'	'
Nonaccrual	1,854	1,720
Current	144,310	140,234
Total loans	146,893	142,702
RE-Commercial [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	'	'
90+ Days Past Due And Accruing	'	'
Nonaccrual	494	560
Current	174,490	164,656
Total loans	174,984	165,216
Residential Construction [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	'	'
90+ Days Past Due And Accruing	'	'
Nonaccrual	155	414
Current	30,281	22,189
Total loans	30,436	22,603
Other Construction, Land Development & Other Land [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	'	'
90+ Days Past Due And Accruing	'	'
Nonaccrual	1,382	1,402
Current	44,979	41,855
Total loans	46,361	43,257
Commercial [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	'	182
90+ Days Past Due And Accruing	'	'
Nonaccrual	47	371
Current	61,478	55,394
Total loans	61,525	55,947
Consumer [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Day Past Due	29	57
90+ Days Past Due And Accruing	'	'
Nonaccrual	'	'
Current	1,602	1,558
Total loans	$1,631	$1,615

Loans_Loan_Portfolio_By_Intern

Loans (Loan Portfolio By Internally Assigned Grade) (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	$461,830	$431,340
Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	146,893	142,702
RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	174,984	165,216
Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	30,436	22,603
Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	46,361	43,257
Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	61,525	55,947
Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	1,631	1,615
Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	428,707	400,013
Pass [Member] \| Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	132,128	133,389
Pass [Member] \| RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	169,780	157,028
Pass [Member] \| Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	29,267	21,330
Pass [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	36,051	32,914
Pass [Member] \| Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	59,879	53,794
Pass [Member] \| Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	1,602	1,558
Special Mention [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	19,742	14,938
Special Mention [Member] \| Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	10,447	5,523
Special Mention [Member] \| RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	3,597	5,272
Special Mention [Member] \| Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	880	355
Special Mention [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	3,219	2,504
Special Mention [Member] \| Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	1,599	1,227
Special Mention [Member] \| Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	'	57
Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	13,381	16,389
Substandard [Member] \| Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	4,318	3,790
Substandard [Member] \| RE-Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	1,607	2,916
Substandard [Member] \| Residential Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	289	918
Substandard [Member] \| Other Construction, Land Development & Other Land [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	7,091	7,839
Substandard [Member] \| Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	47	926
Substandard [Member] \| Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loan, carrying amount	29	'
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 $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	$8,990	$5,287
With no related allowance, Unpaid Principal Balance	13,171	7,752
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	8,990	5,287
Unpaid Principal Balance	13,171	7,752
Related Allowance	'	'
Residential [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	2,123	1,720
With no related allowance, Unpaid Principal Balance	2,808	2,238
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	2,123	1,720
Unpaid Principal Balance	2,808	2,238
Related Allowance	'	'
RE-Commercial [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	494	560
With no related allowance, Unpaid Principal Balance	872	916
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	494	560
Unpaid Principal Balance	872	916
Related Allowance	'	'
Residential Construction [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	155	414
With no related allowance, Unpaid Principal Balance	377	630
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	155	414
Unpaid Principal Balance	377	630
Related Allowance	'	'
Other Construction, Land Development & Other Land [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	6,171	2,222
With no related allowance, Unpaid Principal Balance	9,005	3,009
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	6,171	2,222
Unpaid Principal Balance	9,005	3,009
Related Allowance	'	'
Commercial [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
With no related allowance, Recorded Investment	47	371
With no related allowance, Unpaid Principal Balance	109	959
With an allowance, Recorded Investment	'	'
With an allowance, Unpaid Principal Balance	'	'
Recorded Investment	47	371
Unpaid Principal Balance	109	959
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 $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'
Allowance for loan losses, individually evaluated for impairment	'	'
Allowance for loan losses, collectively evaluated for impairment	7,894	8,165
Total ending allowance	7,894	8,165
Loans, individually evaluated for impairment	8,990	5,287
Loans, collectively evaluated for impairment	452,840	426,053
Total loans	461,830	431,340
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	2,783	2,891
Total ending allowance	2,783	2,891
Loans, individually evaluated for impairment	2,123	1,720
Loans, collectively evaluated for impairment	144,770	140,982
Total loans	146,893	142,702
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	2,901	3,050
Total ending allowance	2,901	3,050
Loans, individually evaluated for impairment	494	560
Loans, collectively evaluated for impairment	174,490	164,656
Total loans	174,984	165,216
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	624	591
Total ending allowance	624	591
Loans, individually evaluated for impairment	155	414
Loans, collectively evaluated for impairment	30,281	22,189
Total loans	30,436	22,603
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	619	624
Total ending allowance	619	624
Loans, individually evaluated for impairment	6,171	2,222
Loans, collectively evaluated for impairment	40,190	41,035
Total loans	46,361	43,257
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	953	996
Total ending allowance	953	996
Loans, individually evaluated for impairment	47	371
Loans, collectively evaluated for impairment	61,478	55,576
Total loans	61,525	55,947
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	14	13
Total ending allowance	14	13
Loans, individually evaluated for impairment	'	'
Loans, collectively evaluated for impairment	1,631	1,615
Total loans	$1,631	$1,615

Loans_Interest_Income_Realized

Loans (Interest Income Realized And The Average Recorded Investment Of Impaired Loans) (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	$267	$41	$426	$132
Average Recorded Investment	6,731	7,816	6,251	8,616
Residential [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	55	17	98	53
Average Recorded Investment	1,835	1,462	1,797	1,703
RE-Commercial [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	22	4	34	19
Average Recorded Investment	512	656	528	708
Residential Construction [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	6	-4	9	-2
Average Recorded Investment	157	918	243	1,030
Other Construction, Land Development & Other Land [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	183	23	284	60
Average Recorded Investment	4,179	4,375	3,527	4,726
Commercial [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	1	1	1	2
Average Recorded Investment	48	405	156	449
Consumer [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Interest Income Recognized	'	'	'	'
Average Recorded Investment	'	'	'	'

Loans_Troubled_Debt_Restructur

Loans (Troubled Debt Restructuring) (Details) (USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Financing Receivable, Modifications [Line Items]	'	'
Total Number of Contracts	5	4
Total Modifications	$6,130	$2,026
Residential [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Number of Contracts	1	1
Total Modifications	269	113
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	4	3
Total Modifications	5,861	1,913
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	5,058	820
Accrual Status [Member] \| Residential [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	269	'
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	4,789	820
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	1,072	1,206
Nonaccrual Status [Member] \| Residential [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	113
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	1,072	1,093
Nonaccrual Status [Member] \| Commercial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'
Nonaccrual Status [Member] \| Consumer [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Total Modifications	'	'

Other_Real_Estate_Owned_Detail

Other Real Estate Owned (Details) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013
Other Real Estate Owned [Abstract]	'	'
Beginning Balance	$2,658	$3,771
Additions	118	2,298
Sales	-497	-3,767
Write-downs	'	-144
Ending Balance	$2,279	$2,158

Fair_Value_Disclosures_Narrati

Fair Value Disclosures (Narrative) (Details)	6 Months Ended
Fair Value Disclosures (Narrative) (Details)	Jun. 30, 2014
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 $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities, fair value	$70,005	$71,511	[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	70,005	71,511
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 $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	$8,990	$5,287
Loans held for sale	'	992
Other real estate owned	2,279	2,658
Total	11,269	8,937
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	'	992
Other real estate owned	'	'
Total	'	992
Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	8,990	5,287
Loans held for sale	'	'
Other real estate owned	2,279	2,658
Total	$11,269	$7,945

Fair_Value_Disclosures_Fair_Va2

Fair Value Disclosures (Fair Value Of Financial Instruments) (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Loans held for sale	'	$992
BOLI	9,742	9,580	[1]
Carrying Amount [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Cash and cash equivalents	16,325	14,187
Investment securities	72,378	73,886
Loans receivable, net	453,688	423,160
Loans held for sale	'	992
Accrued interest	1,721	1,701
BOLI	9,742	9,580
Deposits	467,789	455,968
FHLB advances	45,000	30,000
Subordinated debt	13,607	7,155
Repurchase agreements	1,925	1,393
Fair Value [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Cash and cash equivalents	16,325	14,187
Investment securities	72,618	74,021
Loans receivable, net	446,505	416,841
Loans held for sale	'	997
Accrued interest	1,721	1,701
BOLI	9,742	9,580
Deposits	461,378	447,956
FHLB advances	45,734	30,742
Subordinated debt	9,990	3,577
Repurchase agreements	$1,925	$1,393

[1]	Derived from audited, consolidated financial statements

Preferred_Stock_Details

Preferred Stock (Details) (Series A Preferred Stock [Member], USD $)	6 Months Ended			1 Months Ended
In Millions, except Share data, unless otherwise specified	Jun. 30, 2014	Jan. 10, 2014	Dec. 31, 2013	Apr. 30, 2014
	Jun. 30, 2014	Jan. 10, 2014	Dec. 31, 2013	Annual Preferred Stock Dividend Rate That Would Have Been Effective April 2014 Without Redemption [Member]
Class of Stock [Line Items]	'	'	'	'
Preferred stock, par value	$4	'	$4	'
Preferred stock purchase price	'	$5.60	'	'
Preferred stock, dividend rate	5.00%	'	'	9.00%
Preferred stock, liquidation preference per share	$1,000	'	$1,000	'
Preferred stock, shares authorized	2,000,000	'	2,000,000	'
Preferred stock, shares outstanding	0	5,531	5,531	'

Common_Stock_Details

Common Stock (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Class of Stock [Line Items]	'	'
Common stock, par value	$0.01	'
Common stock, shares authorized	30,000,000	30,000,000
Common stock, shares outstanding	12,750,065	12,551,952
Scenario, Previously Reported [Member]	'	'
Class of Stock [Line Items]	'	'
Common stock, par value	$4	4