Consolidated Statement of Cash Flows (Unaudited) (USD $) In Thousands	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 1,396	$ 1,272
Adjustments to reconcile net income to net cash provided by operations:
Depreciation and amortization	148	175
Gain on sales of SBA loans	(366)	(419)
Gain on sales of other real estate owned	(97)
Provision for loan losses	1,894	1,646
Provision for losses on unfunded commitments		6
Write-downs of other real estate owned	125	75
Deferred income taxes	46	29
Change in assets and liabilities:
Increase in accrued interest receivable	(4)	(89)
Increase in other assets	(24)	(64)
Decrease in accrued interest payable	(7)	(25)
Increase in other liabilities	127	42
Net cash provided by operating activities	3,238	2,648
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sale of SBA loans	5,132	6,635
Increase in loans, net	(3,738)	(6,858)
Proceeds from sales of other real estate owned	1,736
Purchase of premises and equipment	(34)	(32)
Net cash provided (used) by investing activities	3,096	(255)
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in non-interest bearing deposits, net	4,299	4,308
(Decrease) increase in other deposits, net	(4,142)	13
Net cash provided by financing activities	157	4,321
Net increase in cash and cash equivalents	6,491	6,714
Cash and cash equivalents at beginning of period	13,726	10,488
Cash and cash equivalents at end of period	20,217	17,202
SUPPLEMENTAL CASH FLOW INFORMATION
Interest paid	1,635	2,525
Income taxes paid	1,275	1,140
Transfer of loans to real estate owned	$ 1,077