Consolidated Statements of Operations (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Interest and dividend income
Loans, including fees	$ 1,891	$ 2,442
Securities	63	155
FHLB stock dividends	22	22
Federal funds sold and other	40	30
Total interest and dividend income	2,016	2,649
Interest expense
Deposits	593	702
Long-term FHLB advances and other debt	109	167
Subordinated debentures	47	41
Total interest expense	749	910
Net interest income	1,267	1,739
Provision for loan losses	200	1,419
Net interest income after provision for loan losses	1,067	320
Noninterest income
Service charges on deposit accounts	59	61
Net gains on sales of loans	43	40
Loan servicing fees, net	8	8
Earnings on bank owned life insurance	33	32
Other	15	15
Total noninterest income	158	156
Noninterest expense
Salaries and employee benefits	991	1,041
Occupancy and equipment	74	85
Data processing	142	144
Franchise taxes	55	66
Professional fees	218	301
Director fees	45	46
Postage, printing and supplies	48	48
Advertising and promotion	3	10
Telephone	17	22
Loan expenses	8	10
Foreclosed assets, net	18	33
Depreciation	67	114
FDIC premiums	156	175
Amortization of intangibles	10	10
Regulatory assessment	45	37
Other insurance	42	17
Other	25	31
Total noninterest expense	1,964	2,190
Net loss	(739)	(1,714)
Preferred stock dividends and accretion of discount on preferred stock	(110)	(104)
Net loss attributable to common stockholders	$ (849)	$ (1,818)
Loss per common share:
Basic	$ (1.03)	$ (2.20)
Diluted	$ (1.03)	$ (2.20)