Consolidated Statements Of Operations (USD $) In Thousands, except 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	$ 9,955	$ 11,527	$ 31,357	$ 36,005
Federal funds sold		10	9	31
Interest-earning deposits with banks	48	4	128	4
Investments	65	30	149	88
Dividends on equity securities (restricted)	24	23	74	65
Total Interest and Dividend Income	10,092	11,594	31,717	36,193
INTEREST EXPENSE
Demand	37	54	126	204
Savings	75	182	399	575
Time deposits below $100,000	1,132	1,672	3,762	5,464
Time deposits above $100,000	721	920	2,295	3,257
FHLB Advances	225	266	669	790
Other borrowings	45	65	150	187
Trust Preferred Securities	115	120	315	339
Total Interest Expense	2,350	3,279	7,716	10,816
NET INTEREST INCOME	7,742	8,315	24,001	25,377
PROVISION FOR LOAN LOSSES	2,801	9,441	6,258	13,381
NET INTEREST INCOME (LOSS) AFTER PROVISION FOR LOAN LOSSES	4,941	(1,126)	17,743	11,996
NONINTEREST INCOME
Service charges	657	694	1,816	2,007
Fees, commissions and other income	496	586	1,515	1,575
Insurance and investment fees	134	122	325	401
Life insurance investment income	77	141	253	350
Total Noninterest Income	1,364	1,543	3,909	4,333
NONINTEREST EXPENSES
Salaries and employee benefits	3,864	3,578	11,723	11,098
Occupancy and equipment expense	1,132	1,135	3,276	3,469
Advertising and public relations	121	118	304	312
Data processing and telecommunications	420	411	1,218	1,225
FDIC insurance premiums	475	299	1,571	1,799
Other real estate owned and repossessed vehicles, net	1,986	257	4,476	559
Other operating expenses	1,115	1,444	3,775	3,802
Total Noninterest Expenses	9,113	7,242	26,343	22,264
LOSS BEFORE INCOME TAXES	(2,808)	(6,825)	(4,691)	(5,935)
INCOME TAX BENEFIT	(976)	(2,329)	(1,733)	(2,094)
NET LOSS	$ (1,832)	$ (4,496)	$ (2,958)	$ (3,841)
Earnings (Loss) Per Share
Basic	$ (0.18)	$ (0.45)	$ (0.30)	$ (0.38)
Fully Diluted	$ (0.18)	$ (0.45)	$ (0.30)	$ (0.38)
Average Weighted Shares of Common Stock
Basic	10,010,178	10,009,628	10,010,178	10,009,238
Fully Diluted	10,010,178	10,009,628	10,010,178	10,009,238