Consolidated Statements of Operations (Unaudited) (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	$ 2,571	$ 2,343	$ 5,189	$ 4,763
Securities - taxable	119	88	199	190
Securities - nontaxable	36	16	70	29
Other interest - earning assets	32	46	54	93
Total interest income	2,758	2,493	5,512	5,075
Interest expense:
Deposit accounts	365	432	704	881
Borrowings	113	113	225	231
Total interest expense	478	545	929	1,112
Net interest income	2,280	1,948	4,583	3,963
Provision for loan losses	291	91	411	1,171
Net interest income after provision for loan losses	1,989	1,857	4,172	2,792
Noninterest income:
Service charges	314	385	634	759
Gain on sale of securities available for sale	174	128	202	128
Gain on sale of mortgage loans	306	107	529	219
Other	91	36	213	65
Total noninterest income	885	656	1,578	1,171
Noninterest expense:
Compensation and benefits	1,317	1,053	2,603	2,022
Occupancy costs	257	288	526	561
Equipment expense	62	64	131	111
Data processing expense	123	135	238	288
ATM expense	97	95	188	186
Professional and outside services	291	136	523	312
Stationery and supplies	28	33	66	59
Marketing	44	25	88	63
FDIC insurance assessments	78	67	170	134
Operations from OREO	29		131	(10)
Other	266	163	503	318
Total noninterest expense	2,592	2,059	5,167	4,044
Income (loss) before income tax expense (benefit)	282	454	583	(81)
Income tax expense (benefit)	64	173	148	(39)
Net income (loss)	$ 218	$ 281	$ 435	$ (42)
Basic and diluted earnings per share	$ 0.13		$ 0.27