Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
OPERATING ACTIVITIES:
Net Income	$ 1,516	$ 2,131
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	413	344
Loss (Gain) on Sale of Securities Available for Sale		(12)
Gain on Sale of Other Real Estate Owned		(16)
Provision for Loan Losses	2,586	1,495
Discount (Accretion) on Securities Available for Sale	(321)	(226)
Stock Based Compensation	227	148
Changes in Assets and Liabilities
(Increase) Decrease in Interest Receivable	(152)	(96)
(Increase) Decrease in Other Assets	(1,265)	667
Increase (Decrease) in Interest Payable	35	(139)
Increase (Decrease) in Other Liabilities	(157)	169
Net Cash Provided by Operations	2,882	4,465
INVESTING ACTIVITIES
Purchase of Securities Available for Sale	(8,893)	(25,549)
Proceeds from Paydowns, Maturities and Call of Securities Available for Sale	8,654	15,586
Net Increase in Loans	(42,869)	(63,837)
Sale (Purchase) of FHLB stock	(839)	159
Purchases of Premises and Equipment, net	(717)	(132)
Net Cash Absorbed by Investing Activities	(44,664)	(73,773)
FINANCING ACTIVITIES
Net Increase in Deposits	39,742	90,030
Net Decrease in FHLB Advances	(7,250)	(8,250)
Net Increase in Subordinated Debt	2,500	0
Preferred Stock Dividends Paid	(133)	(429)
Net Cash Provided by Financing Activities	34,859	81,351
Net (Decrease) Increase in Cash & Cash Equivalents	(6,923)	12,043
Cash & Cash Equivalents, beginning	72,321	46,249
Cash & Cash Equivalents, ending	65,398	58,292
Supplemental disclosure of non-cash investing activity:
Loans converted into Other Real Estate Owned	1,147	645
Interest Paid on Interest-bearing deposits	$ 2,983	$ 3,190