Balance Sheets (Unaudited) (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 5,827	$ 4,586
Federal funds sold	0	16,338
Cash and cash equivalents	5,827	20,924
Interest bearing deposits in banks	2,403	2,927
Securities: (note 2)
Held to maturity - fair value of $108,000 in 2011 and $109,000 in 2010	108	109
Available for sale	11,088	15,247
Other investments	7,826	8,789
Loans held for sale	64,953	23,764
Loans held for investment (note 3)	452,758	445,147
Less allowance for loan losses (note 4)	6,844	5,786
Net loans held for investment	445,914	439,361
Other real estate owned	3,140	1,513
Bank premises and equipment, net	6,332	6,792
Interest receivable	1,682	2,001
Core deposit intangible	0	46
Goodwill	2,670	2,670
Bank owned life insurance	7,104	6,883
Other assets	8,169	7,829
Total assets	567,226	538,855
Deposits:
Noninterest bearing	68,752	58,497
Interest bearing:
Demand	93,546	94,091
Money market accounts	23,913	22,798
Savings	39,181	35,760
Time deposits over $100,000	82,972	80,060
All other time deposits	137,423	133,845
Total deposits	445,787	425,051
Short-term debt	15,789	5,355
Accrued liabilities	6,554	7,241
Subordinated debt	10,191	9,944
Long-term debt	42,714	49,035
Total liabilities	521,035	496,626
Stockholders Equity
Common stock, $5 par value, 6,000,000 shares authorized, 2,490,895 and 2,306,086 shares issued and outstanding in 2011 and 2010, respectively	12,545	11,530
Retained earnings	34,477	30,837
Noncontrolling interest	195	186
Accumulated other comprehensive income (loss)	(935)	(324)
Total stockholders equity	46,191	42,229
Total liabilities and stockholders equity	$ 567,226	$ 538,855