Condensed Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except 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
Loans, including fees	$ 4,437	$ 4,556	$ 13,459	$ 13,787
Interest and dividends on investments, cash and cash equivalents	105	57	244	176
Total interest income	4,542	4,613	13,703	13,963
INTEREST EXPENSE
Deposits	540	626	1,617	1,893
Borrowings	56	55	167	223
Total interest expense	596	681	1,784	2,116
NET INTEREST INCOME	3,946	3,932	11,919	11,847
PROVISION FOR LOAN LOSSES	1,075	1,300	3,675	3,350
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	2,871	2,632	8,244	8,497
NONINTEREST INCOME
Service charges and fee income	574	516	1,638	1,514
Earnings on cash surrender value of bank-owned life insurance	60	61	179	189
Mortgage servicing income	148	110	346	318
Fair value adjustment on mortgage servicing rights	(211)	(491)	97	(235)
Loss on sale of securities	0	0	0	(33)
Other-than-temporary impairment losses on securities	(32)	(56)	(156)	(96)
Loss on sale of assets	0	0	0	(80)
Gain on sale of loans	668	126	1,226	263
Total noninterest income	1,207	266	3,330	1,840
NONINTEREST EXPENSE
Salaries and benefits	1,537	1,189	4,242	3,942
Operations	697	602	2,007	1,869
Regulatory assessments	108	103	329	454
Occupancy	314	288	918	835
Data processing	264	218	769	685
Losses and expenses on other real estate owned and repossessed assets	265	274	757	958
Total noninterest expense	3,185	2,674	9,022	8,743
INCOME BEFORE PROVISION FOR INCOME TAXES	893	224	2,552	1,594
PROVISION FOR INCOME TAXES	281	43	800	463
NET INCOME	$ 612	$ 181	$ 1,752	$ 1,131
Net income per share (see Note 9)
Basic (in dollars per share)	$ 0.24	$ 0.07	$ 0.68	$ 0.44
Diluted (in dollars per share)	$ 0.23	$ 0.07	$ 0.67	$ 0.43
Weighted average shares outstanding
Basic (in shares)	2,587,669	2,582,733	2,585,694	2,582,733
Diluted (in shares)	2,627,820	2,609,137	2,616,070	2,609,852