Consolidated Statements of Operations (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST INCOME
Interest and fees on loans	$ 8,062	$ 8,848
Interest on mortgage related securities	1,738	1,979
Interest on investment securities available-for-sale
Taxable	71	93
Nontaxable		19
Other interest income	1	3
Total Interest Income	9,872	10,942
INTEREST EXPENSE
Deposits	1,177	1,771
Short-term borrowings	32	5
Federal Home Loan Bank advances	502	754
Other borrowed funds	248	432
Total Interest Expense	1,959	2,962
Net Interest Income	7,913	7,980
Provision for loan losses	640	1,275
Net Interest Income after Provision for Loan Losses	7,273	6,705
NONINTEREST INCOME
Service charges and other fee income	361	389
Net (loss) gain on sale of assets acquired through foreclosure	(4)	29
Income on bank-owned life insurance	116	119
Equity in earnings of affiliate	170	115
Net gain on sale of investment securities (includes $361 and $0 accumulated other comprehensive income reclassification for unrealized holdings gains for 2013 and 2012, respectively)	361
Other	50	42
Total Noninterest Income	1,054	694
NONINTEREST EXPENSE
Salaries, benefits and other compensation	3,505	3,339
Occupancy expense	447	459
Furniture and equipment expense	124	152
Data processing costs	398	446
Professional fees	288	469
Marketing expense	30	46
FDIC premiums	185	181
Assets acquired through foreclosure expense	285	115
Other	413	433
Total Noninterest Expense	5,675	5,640
Income Before Income Taxes	2,652	1,759
Income tax provision (includes $123 and $0 income tax expense from reclassification items for 2013 and 2012, respectively)	825	572
Net Income	$ 1,827	$ 1,187
Earnings per share:
Basic (in dollars per share)	$ 0.16	$ 0.10
Diluted (in dollars per share)	$ 0.16	$ 0.10