Consolidated Statements of Operations (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest income:
Interest and fees on loans	$ 3,018	$ 3,168	$ 6,075	$ 6,292
Investment in stocks	7	7	14	14
Interest bearing deposits	15	15	28	24
Total interest income	3,040	3,190	6,117	6,330
Interest expense:
Deposits	550	861	1,118	1,747
Total interest expense	550	861	1,118	1,747
Net interest income	2,490	2,329	4,999	4,583
Less provision for loan losses	627	587	1,308	1,034
Net interest income less provision for loan losses	1,863	1,742	3,691	3,549
Non-interest income:
Gain on sales of SBA loans	134	145	343	370
Gain on sales of other real estate owned	9		52
Service charges and other income	141	126	290	246
Total non-interest income	284	271	685	616
Non-interest expenses:
Compensation and benefits	771	743	1,543	1,464
Legal and professional	54	77	119	132
Rent and occupancy	137	140	282	279
Marketing and business development	28	26	46	48
FDIC insurance	66	80	155	156
Data processing	38	36	75	72
Support services	61	55	108	102
Loan collection	32	21	89	37
Other real estate owned loss provision	50		125
Communications	34	32	67	63
Depreciation and amortization	50	59	102	118
Other	98	96	208	169
Total non-interest expenses	1,419	1,365	2,919	2,640
Income before income taxes	728	648	1,457	1,525
Income tax expense	275	260	556	609
Net income	$ 453	$ 388	$ 901	$ 916
Basic and diluted earnings per share	$ 0.25	$ 0.21	$ 0.49	$ 0.50