CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
INTEREST INCOME
Loans	$ 5,775	$ 7,050	$ 17,817	$ 21,605
Federal funds sold and interest-earning deposits in other banks	41	29	113	68
Investments	382	505	1,212	1,624
TOTAL INTEREST INCOME	6,198	7,584	19,142	23,297
INTEREST EXPENSE
Money market, NOW and savings deposits	146	149	374	546
Time deposits	1,371	1,812	4,379	5,565
Short-term debt	26	54	86	189
Long-term debt	80	74	241	222
TOTAL INTEREST EXPENSE	1,623	2,089	5,080	6,522
NET INTEREST INCOME	4,575	5,495	14,062	16,775
PROVISION (RECOVERY) FOR LOAN LOSSES	189	2,194	(2,597)	5,900
NET INTEREST INCOME AFTER PROVISION (RECOVERY) FOR LOAN LOSSES	4,386	3,301	16,659	10,875
NON-INTEREST INCOME
Fees from pre-sold mortgages	53	47	166	134
Service charges on deposit accounts	306	363	916	1,121
Gain on branch sale	0	0	557	0
Other fees and income	398	233	943	921
TOTAL NON-INTEREST INCOME	757	643	2,582	2,176
NON-INTEREST EXPENSE
Personnel	2,042	1,985	6,050	6,660
Occupancy and equipment	325	348	995	1,068
Deposit insurance	191	209	572	706
Professional fees	303	329	1,242	1,462
Information systems	345	383	1,080	1,210
Foreclosed real estate-related expense	355	311	1,056	1,405
Other	609	549	2,039	2,020
TOTAL NON-INTEREST EXPENSE	4,170	4,114	13,034	14,531
INCOME (LOSS) BEFORE INCOME TAX (BENEFIT)	973	(170)	6,207	(1,480)
INCOME TAX (BENEFIT)	341	(148)	2,305	(718)
NET INCOME (LOSS)	$ 632	$ (22)	$ 3,902	$ (762)
NET INCOME (LOSS) PER COMMON SHARE
Basic (in dollars per share)	$ 0.09	$ 0	$ 0.57	$ (0.11)
Diluted (in dollars per share)	$ 0.09	$ 0	$ 0.57	$ (0.11)
WEIGHTED AVERAGE COMMON SHARES OUTSTANDING
Basic (in shares)	6,913,636	6,861,034	6,892,946	6,896,102
Diluted (in shares)	6,914,085	6,861,034	6,893,064	6,896,102