Consolidated Statements of Income (Unaudited) (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 and dividend income
Loans, including fees	$ 10,455	$ 11,092	$ 31,208	$ 33,440
Taxable securities	1,367	1,448	4,213	4,464
Tax-exempt securities	419	444	1,250	1,392
Federal funds sold and other	26	13	54	23
Total interest and dividend income	12,267	12,997	36,725	39,319
Interest expense
Deposits	1,233	1,721	3,948	5,587
Federal Home Loan Bank advances	401	598	1,208	1,953
Subordinated debentures	189	212	578	631
Other	5	16	27	57
Total interest expense	1,828	2,547	5,761	8,228
Net interest income	10,439	10,450	30,964	31,091
Provision for loan losses	2,000	6,100	7,700	14,440
Net interest income after provision for loan losses	8,439	4,350	23,264	16,651
Noninterest income
Service charges	1,233	1,197	3,350	3,410
Net gain on sale of securities		7	3	22
ATM fees	473	472	1,371	1,344
Trust fees	505	457	1,577	1,378
Bank owned life insurance	173	116	477	354
Computer center data processing fees	60	61	193	195
Other	220	210	887	565
Total noninterest income	2,664	2,520	7,858	7,268
Noninterest expense
Salaries, wages and benefits	5,144	4,590	14,588	12,958
Net occupancy expense	549	604	1,728	1,841
Equipment expense	343	365	1,059	1,132
Contracted data processing	200	200	612	687
FDIC Assessment	240	395	971	1,183
State franchise tax	330	237	871	764
Professional services	509	689	1,505	1,776
Amortization of intangible assets	291	305	872	914
ATM Expense	154	177	452	537
Marketing	157	188	540	563
Other operating expenses	1,682	1,516	5,071	4,899
Total noninterest expense	9,599	9,266	28,269	27,254
Income (loss) before taxes	1,504	(2,396)	2,853	(3,335)
Income tax expense (benefit)	311	(1,003)	384	(1,719)
Net Income (loss)	1,193	(1,393)	2,469	(1,616)
Preferred stock dividends and discount accretion	293	289	881	867
Net income (loss) available to common shareholders	$ 900	$ (1,682)	$ 1,588	$ (2,483)
Earnings per common share, basic and diluted	$ 0.12	$ (0.22)	$ 0.21	$ (0.32)