CONSOLIDATED STATEMENTS OF INCOME (LOSS) (USD $) In Thousands, except Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest Income:
Loans	$ 2,151	$ 2,841	$ 6,939	$ 8,836
Deposits and federal funds sold	3	9	17	23
Interest and dividends on mortgage-backed securities	677	346	2,038	992
Interest and dividends on investment securities	650	938	1,799	2,923
Total interest income	3,481	4,134	10,793	12,774
Interest Expense:
Deposit accounts	552	1,171	2,095	4,012
Floating rate junior subordinated deferrable interest debentures	118	123	355	359
Advances from the FHLB and other borrowings	632	637	1,875	2,012
Total interest expense	1,302	1,931	4,325	6,383
Net Interest Income	2,179	2,203	6,468	6,391
Provision for loan losses	290	3,947	290	6,030
Net interest income (loss) after provision for loan losses	1,889	(1,744)	6,178	361
Non-Interest Income:
Fees for financial services	645	723	1,929	2,119
Other fees, net	5	18	27	52
Other-than-temporary-impairment write-down on securities	(218)	(660)	(409)	(1,127)
Net (loss) gain on sale of investments	419	619	697	1,824
Total non-interest income	851	700	2,244	2,868
Non-Interest Expense:
Compensation and employee benefits	1,008	1,057	3,115	3,239
Occupancy and equipment	623	630	1,911	1,833
Deposit insurance premiums	179	147	536	438
Professional services	144	127	454	325
Advertising and public relations	5	5	25	35
OREO and loan operations	483	475	1,304	733
Items processing	74	102	225	262
Telephone	40	44	133	131
Other	178	180	576	568
Total non-interest expense	2,734	2,767	8,279	7,564
Net income (loss) before income taxes	6	(3,811)	143	(4,335)
Expense (benefit) for income taxes	7	(548)	25	(793)
Net income (loss)	(1)	(3,263)	118	(3,542)
Accretion of preferred stock to redemption value and preferred dividends accumulated	120	120	355	355
Net loss to common shareholders	$ (121)	$ (3,383)	$ (237)	$ (3,897)
Net loss per common share (basic)	$ (0.07)	$ (1.89)	$ (0.13)	$ (2.18)
Net loss per common share (diluted)	$ (0.07)	$ (1.89)	$ (0.13)	$ (2.18)
Weighted average number of common shares outstanding
Basic	1,790,599	1,790,599	1,790,599	1,790,599
Diluted	1,790,599	1,790,599	1,790,599	1,790,599