Consolidated Statements of Operations (USD $) In Thousands, except Per 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
Interest and fees on loans and leases	$ 3,854	$ 3,666	$ 11,386	$ 10,728
Interest and dividends on securities	29	30	74	82
Other interest income	15	6	46	17
Total interest income	3,898	3,702	11,506	10,827
INTEREST EXPENSE
Deposits	432	441	1,371	1,300
Short-term borrowings	40	50	125	137
Long-term borrowings	14	18	53	72
Total interest expense	486	509	1,549	1,509
NET INTEREST INCOME	3,412	3,193	9,957	9,318
Provision for credit losses	308	558	650	740
Net interest income after provision for credit losses	3,104	2,635	9,307	8,578
NONINTEREST INCOME
Service charges on deposit accounts	87	75	235	229
Gains on the sale of loans	31	4	111	18
Loss on the sale of other real estate owned	0	0	(131)	0
Other operating income	98	60	334	256
Total noninterest income	216	139	549	503
NONINTEREST EXPENSE
Compensation and benefits	1,491	1,256	4,291	3,752
Occupancy and equipment	381	341	1,124	1,061
Marketing and business development	145	109	435	368
Professional fees	134	79	445	250
Data processing fees	116	92	331	257
FDIC Assessment	83	42	228	258
Provision for OREO	0	0	48	393
Other operating expense	309	293	940	1,018
Total noninterest expense	2,659	2,212	7,843	7,357
INCOME BEFORE INCOME TAXES	661	561	2,013	1,724
Income tax expense	274	224	831	693
NET INCOME	387	337	1,182	1,031
Preferred stock dividends	157	115	471	278
Net income available to common shareholders	$ 230	$ 222	$ 711	$ 753
NET INCOME PER COMMON SHARE AVAILABLE
Basic	$ 0.06	$ 0.08	$ 0.24	$ 0.29
Diluted	$ 0.06	$ 0.08	$ 0.24	$ 0.29