CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks	$ 18,832	$ 18,478	[1]
Interest-earning deposits in other banks	75,971	55,590	[1]
Federal funds sold	3,028	3,028	[1]
Investment securities available for sale, at fair value	67,339	67,854	[1]
Loans	386,096	417,624	[1]
Allowance for loan losses	(8,588)	(10,034)	[1]
NET LOANS	377,508	407,590	[1]
Accrued interest receivable	1,909	2,003	[1]
Stock in Federal Home Loan Bank of Atlanta ("FHLB"), at cost	973	1,248	[1]
Other non-marketable securities	1,143	1,080	[1]
Foreclosed real estate	2,849	3,031	[1]
Premises and equipment held for sale	0	1,113	[1]
Premises and equipment, net	11,044	11,243	[1]
Bank Owned Life Insurance ("BOLI")	8,167	7,981	[1]
Core deposit intangible	327	545	[1]
Other assets	8,743	8,867	[1]
TOTAL ASSETS	577,833	589,651	[1]
LIABILITIES AND SHAREHOLDERS' EQUITY
Demand	76,821	74,569	[1]
Savings	23,374	24,461	[1]
Money market and NOW	108,935	92,600	[1]
Time	272,190	309,747	[1]
TOTAL DEPOSITS	481,320	501,377	[1]
Short-term debt	26,195	21,877	[1]
Long-term debt	12,372	14,372	[1]
Accrued interest payable	293	330	[1]
Accrued expenses and other liabilities	3,982	2,149	[1]
TOTAL LIABILITIES	524,162	540,105	[1]
Shareholders' Equity
Preferred stock, 5,000,000 shares authorized; no shares issued and outstanding at September 30, 2012 and December 31, 2011, respectively	0	0	[1]
Common stock, $1 par value, 25,000,000 shares authorized; 6,913,636 and 6,860,367 shares issued and outstanding at September 30, 2012 and December 31, 2011, respectively	6,914	6,860	[1]
Additional paid-in capital	41,993	41,851	[1]
Retained earnings (accumulated deficit)	3,452	(450)	[1]
Accumulated other comprehensive income	1,312	1,285	[1]
TOTAL SHAREHOLDERS' EQUITY	53,671	49,546	[1]
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 577,833	$ 589,651	[1]

[1] Derived from audited consolidated financial statements.