CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Interest and dividend income
Loans	$ 3,735	$ 4,081	$ 7,286	$ 8,447
Taxable securities	442	560	962	1,151
Tax-exempt securities	47	56	93	117
Federal funds sold and other	21	28	50	49
Total interest income	4,245	4,725	8,391	9,764
Interest expense
Deposits	422	631	873	1,296
Borrowings	72	226	151	594
Total interest expense	494	857	1,024	1,890
Net interest income	3,751	3,868	7,367	7,874
Provision for loan losses	(240)	255	(890)	730
Net interest income after provision for loan losses	3,991	3,613	8,257	7,144
Non-interest income
Service charges on deposit accounts	447	596	1,122	1,194
Trust department income	184	224	372	450
Gain on sales of securities	135	0	135	475
Net gain (loss) on sale of REO	2	(42)	86	(161)
Treasury management fees	64	65	126	132
Earnings on bank owned life insurance	165	166	405	410
Other	354	225	413	422
Total noninterest income	1,351	1,234	2,659	2,922
Noninterest expense
Salaries and other employee benefits	2,864	2,358	5,836	4,613
Occupancy and equipment	734	695	1,593	1,538
Professional services	511	307	967	698
Advertising	66	104	173	188
Postage, freight and courier	44	32	97	83
Supplies	65	51	135	89
State franchise taxes	42	104	254	208
Federal deposit insurance premiums	137	284	344	575
Other	977	847	1,497	1,661
Total noninterest expense	5,440	4,782	10,896	9,653
Net income (loss) before income taxes	(98)	65	20	413
Income tax expense (benefit)	(254)	(218)	(278)	(29)
Net income	$ 156	$ 283	$ 298	$ 442
Basic and diluted earnings per common share (in dollars per share)	$ 0.01	$ 0.08	$ 0.03	$ 0.12
Dividends per share (in dollars per share)	$ 0	$ 0	$ 0	$ 0