CONSOLIDATED BALANCE SHEETS (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 4,588	$ 4,755
Interest earning balances with the Federal Reserve	4,244	5,638
Federal funds sold	27,751	14,472
Cash and cash equivalents	36,583	24,865
Investment and mortgage-backed securities-available for sale	155,054	148,469
Loans, net of unearned fees	165,989	206,275
Allowance for loan losses (ALLL)	(4,183)	(7,379)
Loans, net of ALLL	161,806	198,896
Real estate acquired through foreclosure	9,099	10,618
Office properties and equipment, net	4,837	5,101
Federal Home Loan Bank stock, at cost	3,406	3,526
Federal Reserve Bank stock, at cost	667	832
Accrued interest receivable	1,119	1,575
Cash surrender value of life insurance	7,843	8,623
Other assets	4,465	6,213
TOTAL ASSETS	384,879	408,718
LIABILITIES
Demand and savings deposits	162,290	165,985
Time deposits	128,206	147,143
Total deposits	290,496	313,128
Advances from the Federal Home Loan Bank	59,500	59,500
Securities sold under agreements to repurchase	5,365	10,028
Floating rate junior subordinated deferrable interest debentures	12,372	12,372
Accrued interest payable	964	663
Other liabilities	3,128	2,758
TOTAL LIABILITIES	371,825	398,449
Commitments and contingencies-Note 5
SHAREHOLDERS' EQUITY
Serial preferred stock - $0.01 par value authorized - 500,000 shares issued and outstanding - 9,266 shares at September 30, 2011 and December 31, 2010, respectively	9,254	9,250
Common stock - $0.01 par value, authorized - 5,000,000 shares, issued and outstanding - 1,790,599 shares at September 30, 2011 and December 31, 2010, respectively	20	20
Common stock warrants	25	25
Additional paid-in capital	12,919	12,919
Accumulated other comprehensive loss	(111)	(2,778)
Retained deficit, substantially restricted	(2,753)	(2,867)
Treasury stock, at cost	(6,300)	(6,300)
TOTAL SHAREHOLDERS' EQUITY	13,054	10,269
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 384,879	$ 408,718