Consolidated Statements of Operations (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 income:
Interest and fees on loans	$ 3,024	$ 3,179	$ 9,099	$ 9,471
Investment in stocks	7	7	21	21
Interest bearing deposits	16	17	44	41
Total interest income	3,047	3,203	9,164	9,533
Interest expense:
Deposits	510	753	1,628	2,500
Total interest expense	510	753	1,628	2,500
Net interest income	2,537	2,450	7,536	7,033
Less provision for loan losses	586	612	1,894	1,646
Net interest income less provision for loan losses	1,951	1,838	5,642	5,387
Non-interest income:
Gain on sales of SBA loans	23	49	366	419
Gain on sales of other real estate owned	45		97
Service charges and other income	158	115	448	361
Total non-interest income	226	164	911	780
Non-interest expenses:
Compensation and benefits	785	756	2,328	2,220
Legal and professional	53	56	172	188
Rent and occupancy	147	145	429	424
Marketing and business development	18	16	64	64
FDIC insurance	13	83	168	239
Data processing	40	37	115	109
Support services	49	47	157	149
Loan collection	56	12	145	49
Other real estate owned loss provision		75	125	75
Communications	32	32	99	95
Depreciation and amortization	46	57	148	175
Other	114	92	322	261
Total non-interest expenses	1,353	1,408	4,272	4,048
Income before income taxes	824	594	2,281	2,119
Income tax expense	329	238	885	847
Net income	$ 495	$ 356	$ 1,396	$ 1,272
Basic and diluted earnings per share	$ 0.27	$ 0.20	$ 0.77	$ 0.70