Consolidated Statements of Operations (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	$ 2,357	$ 2,901	$ 4,825	$ 5,924
Federal funds sold/EBA	18	2	27	3
Investment securities	183	306	398	620
Interest and Dividend Income, Operating, Total	2,558	3,209	5,250	6,547
Interest expense
Interest-bearing demand deposits	2	10	6	21
Money Market	57	170	121	333
Savings	7	17	17	34
Time certificates of deposit	217	398	474	837
Long-term debt	23	33	47	67
Interest Expense, Total	306	628	665	1,292
Net interest income	2,252	2,581	4,585	5,255
Provision for credit losses.	160	0	530	8,748
Net interest income after provision for loan losses	2,092	2,581	4,055	(3,493)
Noninterest income
Service charges and fees	90	121	181	241
Gain on sale of investment securities	105	215	105	215
Other income	96	136	163	229
Noninterest Income, Total	291	472	449	685
Noninterest expense
Salaries and employee benefits	1,204	1,276	2,453	2,656
Occupancy	153	161	310	319
Equipment	134	141	269	285
Professional services	496	195	744	332
Data processing	129	124	251	243
Office related expenses	107	104	219	208
Marketing	66	93	133	174
Regulatory assessments	241	116	463	227
Directors' fees and expenses	63	87	93	176
Other real estate owned expenses	18	495	46	498
Other	62	116	162	210
Total Noninterest Expense	2,673	2,908	5,143	5,328
Earnings (losses) before income taxes	(290)	145	(639)	(8,136)
Income taxes Expense	273	0	273	807
Net Earnings (Loss)	(563)	145	(912)	(8,943)
Dividends and Accretion on Preferred Stock	60	60	120	120
Net earnings (losses) Applicable to Common Shareholders	$ (623)	$ 85	$ (1,032)	$ (9,063)
Per Common Share Data
Net Earnings (Loss) - basic. (in dollars per share)	$ (0.31)	$ 0.04	$ (0.52)	$ (4.53)
Net Earnings (Loss) - diluted. (in dollars per share)	$ (0.31)	$ 0.04	$ (0.52)	$ (4.53)