Consolidated Statements Of Income And Comprehensive Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
INTEREST INCOME
Loans receivable, including fees	$ 4,467	$ 4,687	$ 13,292	$ 14,210
Securities:
Taxable	241	313	994	989
Tax-exempt	292	296	827	879
Federal funds sold				3
Interest bearing deposits	4	20	30	32
Total Interest Income	5,004	5,316	15,143	16,113
INTEREST EXPENSE
Deposits	587	806	1,938	2,342
Borrowings	268	268	797	797
Junior subordinated debentures	60	55	183	164
Total Interest Expense	915	1,129	2,918	3,303
Net Interest Income	4,089	4,187	12,225	12,810
PROVISION FOR LOAN LOSSES	1,104	737	2,922	2,688
Net Interest Income after Provision for Loan Losses	2,985	3,450	9,303	10,122
OTHER INCOME
Service fees on deposit accounts	292	324	842	968
ATM and debit card fees	165	140	453	400
Bank-owned life insurance	96	105	300	314
Insurance commissions and fees	684	545	1,892	1,724
Investment brokerage fees	46	33	118	103
Net gain on sale of loans, held for sale			47
Net gain (loss) on securities transactions	569	(1)	763	268
Net loss on sale of premises and equipment			(6)
Net gain (loss) on sale of foreclosed real estate	2	2	5	(2)
Other	108	58	291	177
Total Other Income	1,962	1,206	4,705	3,952
OTHER EXPENSES
Salaries and employee benefits	2,196	2,219	6,744	6,212
Occupancy, net	355	338	1,071	1,055
Furniture, equipment and data processing	326	283	1,014	871
Advertising and promotion	63	52	222	141
Professional fees	175	163	478	439
Director fees	56	5	236	144
FDIC assessment	177	153	516	535
Insurance	68	53	179	163
Stationary and supplies	44	39	128	122
Loan collection costs	204	314	539	606
Expenses and write-downs related to foreclosed real estate	234	74	1,044	322
Amortization of intangible assets	1	3	4	8
Other	396	329	1,095	966
Total Other Expenses	4,295	4,025	13,270	11,584
Income before Income Taxes	652	631	738	2,490
PROVISION (BENEFIT) FOR INCOME TAXES	106	97	(94)	535
Net Income	546	534	832	1,955
OTHER COMPREHENSIVE INCOME:
Net unrealized gains on available for sale securities arising during the period	693	353	1,413	1,425
Reclassification adjustment for (gain) loss on sales included in net income	(569)	1	(763)	(268)
Income tax expense related to items of other comprehensive income	(49)	(142)	(259)	(463)
Other comprehensive income, net of income taxes	75	212	391	694
Comprehensive income	$ 621	$ 746	$ 1,223	$ 2,649
EARNINGS PER SHARE
Basic	$ 0.17	$ 0.16	$ 0.26	$ 0.60
Diluted	$ 0.17	$ 0.16	$ 0.25	$ 0.59