Consolidated Statements of Income (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
INTEREST INCOME
Federal funds sold and interest-bearing deposits	$ 6	$ 21	$ 26	$ 76
Federal Home Loan Bank stock	46	65	147	148
Securities:
Available for sale	804	1,071	2,558	3,405
Held to maturity	157	270	625	858
Total securities	961	1,341	3,183	4,263
Loans:
SBA loans	1,243	1,225	3,671	3,977
SBA 504 loans	838	1,093	2,626	3,270
Commercial loans	4,417	4,454	13,304	13,546
Residential mortgage loans	1,825	1,808	5,502	5,729
Consumer loans	616	719	1,931	2,174
Total loans	8,939	9,299	27,034	28,696
Total interest income	9,952	10,726	30,390	33,183
INTEREST EXPENSE
Interest-bearing demand deposits	137	148	420	593
Savings deposits	536	639	1,701	2,268
Time deposits	979	1,450	3,119	4,952
Borrowed funds and subordinated debentures	947	1,077	2,851	3,232
Total interest expense	2,599	3,314	8,091	11,045
Net interest income	7,353	7,412	22,299	22,138
Provision for loan losses	1,400	1,500	5,650	4,500
Net interest income after provision for loan losses	5,953	5,912	16,649	17,638
NONINTEREST INCOME
Branch fee income	374	359	1,054	1,051
Service and loan fee income	213	251	840	705
Gain on sale of SBA loans held for sale, net	338	269	848	416
Gain on sale of mortgage loans	250	247	506	504
Bank owned life insurance (BOLI)	74	79	221	230
Net security gains	266	35	353	42
Other income	139	220	534	592
Total noninterest income	1,654	1,460	4,356	3,540
NONINTEREST EXPENSE
Compensation and benefits	2,944	2,960	8,881	8,781
Occupancy	615	624	2,161	1,910
Processing and communications	549	529	1,593	1,609
Furniture and equipment	384	440	1,178	1,311
Professional services	206	229	599	657
Loan collection costs	235	272	660	698
OREO expense	491	482	936	669
Deposit insurance	60	333	661	983
Advertising	187	130	510	478
Other expenses	430	405	1,328	1,288
Total noninterest expense	6,101	6,404	18,507	18,384
Income before provision for income taxes	1,506	968	2,498	2,794
Provision for income taxes	420	242	548	639
Net income	1,086	726	1,950	2,155
Preferred stock dividends & discount accretion	386	385	1,164	1,136
Income available to common shareholders	$ 700	$ 341	$ 786	$ 1,019
Net income per common share
Basic	$ 0.09	$ 0.05	$ 0.11	$ 0.14
Diluted	$ 0.09	$ 0.05	$ 0.10	$ 0.14
Weighted average common shares outstanding
Basic	7,413	7,176	7,301	7,161
Diluted	7,781	7,467	7,719	7,417