CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Interest income
Loans, including fees	$ 6,197	$ 6,584
Investment securities
Fully taxable	629	896
Exempt from federal taxes	435	355
Interest-bearing deposits and other	2	0
TOTAL INTEREST INCOME	7,263	7,835
Interest expense
Deposits	1,066	1,460
Borrowings	405	559
TOTAL INTEREST EXPENSE	1,471	2,019
NET INTEREST INCOME	5,792	5,816
Provision for loan losses	500	900
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,292	4,916
Non-interest income
Service fees, charges and other operating income	484	465
Bank owned life insurance	152	157
Gain on sale of loans	324	117
Gain on disposition of premises and equipment	277	0
TOTAL NON-INTEREST INCOME	1,237	739
Non-interest expense
Compensation and benefits	2,874	2,746
Occupancy and equipment	710	818
Federal deposit insurance premiums	151	233
Professional fees	351	478
Marketing and advertising	85	67
Foreclosed real estate expense	287	61
Other operating	598	562
TOTAL NON-INTEREST EXPENSE	5,056	4,965
INCOME BEFORE INCOME TAXES	1,473	690
Income tax expense	318	72
NET INCOME	$ 1,155	$ 618
Earnings per share-basic (in dollars per share)	$ 0.42	$ 0.23
Earnings per share-diluted (in dollars per share)	$ 0.42	$ 0.23
Dividends paid per share (in dollars per share)	$ 0.05	$ 0.05
Weighted average shares outstanding:
Basic	2,718,839	2,695,700
Diluted	2,722,405	2,695,909