CONSOLIDATED STATEMENTS OF INCOME (unaudited) (USD $) In Thousands, except 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, including fees	$ 2,775	$ 2,783	$ 7,969	$ 8,524
Investment securities, including dividends
Taxable	229	186	636	472
Tax-exempt	23	73	91	204
Other	21	36	94	116
Total interest income	3,048	3,078	8,790	9,316
Interest expense:
Deposits	227	341	695	1,102
Borrowings	7	26	46	70
Total interest expense	234	367	741	1,172
Net interest income	2,814	2,711	8,049	8,144
Less provision for loan losses	122	264	166	437
Net interest income after provision for loan losses	2,692	2,447	7,883	7,707
Noninterest income:
Service charges	362	364	1,024	1,079
Rental income	92	88	273	261
Bank Owned Life Insurance Income	(52)	(50)	(152)	(147)
Realized gain on sale of securities	67	69	256	106
Realized (loss) gain on sale of other real estate owned	4	21	(42)	162
Realized gain on disposal of assets	0	0	0	104
Other income	1	1	4	3
Total noninterest income	578	593	1,667	1,862
Noninterest expense:
Salaries and employee benefits	1,491	1,376	4,387	4,112
Occupancy and equipment	400	372	1,124	1,148
Directors fees	67	63	218	217
Marketing	75	55	164	198
Professional fees	166	335	627	818
Information technology	233	203	696	590
FDIC deposit insurance	131	144	395	468
OREO expense, net	61	35	190	185
Delivery expenses	48	46	150	180
Other	318	251	883	850
Total noninterest expense	2,990	2,880	8,834	8,766
Income before income taxes	280	160	716	803
Income tax expense	87	24	196	205
Net income	193	136	520	598
Less preferred stock dividends and accretion	(59)	(59)	(179)	(176)
Net income available to common stockholders	$ 134	$ 77	$ 341	$ 422
Basic and diluted earnings per share of common stock:	$ 0.07	$ 0.04	$ 0.17	$ 0.21
Weighted average shares of common stock outstanding:
Basic and diluted	2,031,337	2,031,337	2,031,337	2,031,337
Dividends per share of common stock	$ 0.0000	$ 0.0000	$ 0.0000	$ 0.0000