Consolidated Statements of Operations (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest and dividend income
Loans, including fees	$ 2,165	$ 2,863	$ 6,957	$ 9,083
Securities	68	154	379	522
FHLB stock dividends	20	22	63	65
Federal funds sold and other	38	18	109	41
Total interest and dividend income	2,291	3,057	7,508	9,711
Interest expense
Deposits	681	785	2,133	2,594
Long-term FHLB advances and other debt	111	172	419	526
Subordinated debentures	41	44	124	125
Total interest expense	833	1,001	2,676	3,245
Net interest income	1,458	2,056	4,832	6,466
Provision for loan losses	405	617	2,256	7,303
Net interest income (loss) after provision for loan losses	1,053	1,439	2,576	(837)
Noninterest income
Service charges on deposit accounts	69	81	199	225
Net gains on sales of loans	158	244	222	575
Loan servicing fees, net	1	5	13	15
Net gains on sales of securities	232	228	232	468
Earnings on bank owned life insurance	31	28	96	94
Other	15	1	42	13
Total noninterest income	506	587	804	1,390
Noninterest expense
Salaries and employee benefits	1,004	1,113	3,078	3,226
Occupancy and equipment	64	47	218	160
Data processing	142	150	431	469
Franchise taxes	63	75	193	253
Professional fees	177	305	736	783
Director fees	44	45	135	97
Postage, printing and supplies	20	24	107	126
Advertising and promotion	10	30	34	85
Telephone	17	28	57	79
Loan expenses	9	12	39	55
Foreclosed assets, net			1,185	1
Depreciation	93	126	311	390
FDIC premiums	177	170	527	420
Amortization of intangibles	10	10	30	30
Regulatory assessment	46	37	121	82
Other insurance	42	17	93	47
Other	76	31	151	122
Total noninterest expense	1,994	2,220	7,446	6,425
Loss before income taxes	(435)	(194)	(4,066)	(5,872)
Income tax expense		38		8
Net loss	(435)	(232)	(4,066)	(5,880)
Preferred stock dividends and accretion of discount on preferred stock	(107)	(103)	(317)	(307)
Net loss attributable to common stockholders	$ (542)	$ (335)	$ (4,383)	$ (6,187)
Loss per common share:
Basic	$ (0.13)	$ (0.08)	$ (1.06)	$ (1.51)
Diluted	$ (0.13)	$ (0.08)	$ (1.06)	$ (1.51)