CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) (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 and dividend income
Loans, including fees	$ 1,656	$ 2,165	$ 5,316	$ 6,957
Securities	45	68	166	379
FHLB stock dividends	20	20	63	63
Federal funds sold and other	41	38	122	109
Total interest and dividend income	1,762	2,291	5,667	7,508
Interest expense
Deposits	501	681	1,651	2,133
Long-term FHLB advances and other debt	78	111	268	419
Subordinated debentures	46	41	138	124
Total interest expense	625	833	2,057	2,676
Net interest income	1,137	1,458	3,610	4,832
Provision for loan losses	543	405	943	2,256
Net interest income after provision for loan losses	594	1,053	2,667	2,576
Noninterest income
Service charges on deposit accounts	63	69	180	199
Net gains on sales of loans	146	158	281	222
Loan servicing fees, net	6	1	19	13
Net gain on sales of securities		232	143	232
Earnings on bank owned life insurance	33	31	98	96
Other	14	15	39	42
Total noninterest income	262	506	760	804
Noninterest expense
Salaries and employee benefits	1,013	1,004	2,957	3,078
Occupancy and equipment	68	64	201	218
Data processing	146	142	425	431
Franchise taxes	65	63	166	193
Professional fees	234	177	651	736
Director fees	28	44	119	135
Postage, printing and supplies	28	20	132	107
Advertising and promotion	4	10	11	34
Telephone	17	17	50	57
Loan expenses	69	9	100	39
Foreclosed assets, net	776		982	1,185
Depreciation	54	93	183	311
FDIC premiums	144	177	442	527
Amortization of intangibles	10	10	30	30
Regulatory assessment	39	46	105	121
Other insurance	36	42	116	93
Other	34	76	89	151
Total non-interest expense	2,765	1,994	6,759	7,446
Loss before income taxes	(1,909)	(435)	(3,332)	(4,066)
Income tax expense
Net loss	(1,909)	(435)	(3,332)	(4,066)
Preferred stock dividends and accretion of discount on preferred stock	(107)	(107)	(328)	(317)
Discount on redemption of preferred stock	4,960		4,960
Earnings (loss) available to common stockholders	$ 2,944	$ (542)	$ 1,300	$ (4,383)
Earnings (loss) per common share:
Basic	$ 0.38	$ (0.66)	$ 0.42	$ (5.31)
Diluted	$ 0.38	$ (0.66)	$ 0.42	$ (5.31)