Consolidated Statements of Operations (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest and dividend income
Loans, including fees	$ 2,350	$ 3,074	$ 4,792	$ 6,220
Securities	156	172	311	368
FHLB stock dividends	21	21	43	43
Federal funds sold and other	41	15	71	23
Total interest and dividend income	2,568	3,282	5,217	6,654
Interest expense
Deposits	750	890	1,452	1,809
Long-term FHLB advances and other debt	141	170	308	354
Subordinated debentures	42	41	83	81
Total interest expense	933	1,101	1,843	2,244
Net interest income	1,635	2,181	3,374	4,410
Provision for loan losses	432	5,938	1,851	6,686
Net interest income (loss) after provision for loan losses	1,203	(3,757)	1,523	(2,276)
Noninterest income
Service charges on deposit accounts	69	74	130	144
Net gains on sales of loans	24	181	64	331
Loan servicing fees, net	4	2	12	10
Net gain on sales of securities				240
Earnings on bank owned life insurance	33	33	65	66
Other	12	3	27	12
Total noninterest income	142	293	298	803
Noninterest expense
Salaries and employee benefits	1,033	1,060	2,074	2,113
Occupancy and equipment	69	45	154	113
Data processing	145	164	289	319
Franchise taxes	64	85	130	178
Professional fees	258	272	559	478
Director fees	45	26	91	52
Postage, printing and supplies	39	43	87	102
Advertising and promotion	14	27	24	55
Telephone	18	27	40	51
Loan expenses	20	16	30	43
Foreclosed assets, net	1,152	1	1,185	1
Depreciation	104	133	218	264
FDIC Premiums	175	101	350	250
Amortization of intangibles	10	10	20	20
OTS assessment	38	23	75	45
Other	78	66	126	121
Total noninterest expense	3,262	2,099	5,452	4,205
Loss before income taxes	(1,917)	(5,563)	(3,631)	(5,678)
Income tax benefit		(10)		(30)
Net loss	(1,917)	(5,553)	(3,631)	(5,648)
Preferred stock dividends and accretion of discount on preferred stock	(106)	(102)	(210)	(204)
Net loss attributable to common stockholders	$ (2,023)	$ (5,655)	$ (3,841)	$ (5,852)
Loss per common share:
Basic	$ (0.49)	$ (1.38)	$ (0.93)	$ (1.43)
Diluted	$ (0.49)	$ (1.38)	$ (0.93)	$ (1.43)