Condensed Consolidated Statement 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	$ 4,302	$ 4,733	$ 8,684	$ 9,502
Interest on investment securities:
Taxable	350	426	700	933
Exempt from Federal income taxes	1	8	6	115
Other	23	14	52	19
Total interest income	4,676	5,181	9,442	10,569
Interest Expense:
Interest on deposits	402	711	901	1,498
Interest on borrowings		65		134
Interest on junior subordinated deferrable interest debentures	77	76	152	151
Other	8	1	19	2
Total interest expense	487	853	1,072	1,785
Net interest income before provision for loan losses	4,189	4,328	8,370	8,784
Provision for Loan Losses	600	900	2,300	2,400
Net interest income after provision for loan losses	3,589	3,428	6,070	6,384
Non-Interest Income:
Service charges	873	932	1,701	1,830
Sale of merchant processing portfolio		1,435		1,435
Gain on sale of investments	447	10	612	580
Gain on sale of loans	416	239	1,138	240
Earnings on Bank owned life insurance policies	108	113	225	222
Other	191	236	386	445
Total non-interest income	2,035	2,965	4,062	4,752
Non-Interest Expenses:
Salaries and employee benefits	2,383	2,563	4,754	5,112
Occupancy and equipment	764	822	1,569	1,535
Other	2,401	2,067	3,472	3,515
Total non-interest expenses	5,548	5,452	9,795	10,162
Income before provision for income taxes	76	941	337	974
Provision (Benefit) for Income Taxes	(25)	365	12	264
Net income	101	576	325	710
Preferred Stock Dividends and Discount Accretion	(171)	(171)	(342)	(342)
Net income (loss) available to common shareholders	$ (70)	$ 405	$ (17)	$ 368
Basic earnings (loss) per share	$ (0.01)	$ 0.08	$ 0	$ 0.08
Diluted earnings (loss) per share	$ (0.01)	$ 0.08	$ 0	$ 0.08