Consolidated Balance Sheets (Unaudited) (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 17,168	$ 11,592
Federal funds sold	5,000	21,900
Total cash and cash equivalents	22,168	33,492
Securities available for sale	63,904	41,875
Securities held to maturity	3,423	4,350
Total securities	67,327	46,225
Loans held for sale	489	850
Loans:
Commercial	52,706	44,057
Real estate loans - commercial	103,394	125,672
Real estate loans - residential	22,953	19,249
Consumer loans	26,437	29,153
Total loans	205,490	218,131
Less: Allowance for loan losses	(9,119)	(11,224)
Net loans	196,371	206,907
Bank owned life insurance	5,906	5,800
Bank premises and equipment	10,304	10,335
Federal Home Loan Bank stock	661	740
Accrued interest receivable	1,014	1,050
Other real estate owned	1,966	3,407
Assets of discontinued operations	0	113,314
Other assets	895	2,108
Total assets	307,101	424,228
Deposits:
Non-interest bearing	65,950	55,044
Interest bearing	206,315	220,933
Total deposits	272,265	275,977
Short term borrowings	647	879
Federal Home Loan Bank advances	923	954
Subordinated debentures	14,000	14,000
Liabilities of discontinued operations	0	113,321
Accrued taxes, interest and other liabilities	3,589	3,042
Total liabilities	291,424	408,173
Shareholders' equity
Common stock- no par value, 5,000,000 shares authorized,2,367,257 shares outstanding at September 30, 2011 (2,308,765 at December 31, 2010)	43,146	43,036
Retained deficit	(27,677)	(27,042)
Accumulated other comprehensive income	208	61
Total shareholders' equity	15,677	16,055
Total liabilities and shareholders' equity	$ 307,101	$ 424,228