Condensed Consolidated Balance Sheets (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010	Jun. 30, 2010
ASSETS
Cash and due from banks	$ 22,294	$ 22,719	$ 39,165
Federal funds sold	12,000	12,000	12,000
Cash and cash equivalents	34,294	34,719	51,165
Interest-bearing deposits in other financial institutions	10	713	678
Securities available for sale	38,613	33,860	34,942
Federal Home Loan Bank stock	3,060	3,423	3,794
Loans:
Commercial	305,752	297,047	302,228
Mortgage	83,194	80,756	78,428
Consumer	5,866	5,283	4,183
Total Loans	394,812	383,086	384,839
Allowance for loan losses	(6,155)	(6,613)	(6,371)
Net loans	388,657	376,473	378,468
Premises and equipment	9,623	9,660	10,085
Other real estate held for sale	4,806	5,562	5,676
Other assets	13,310	14,286	15,966
TOTAL ASSETS	492,373	478,696	500,774
Deposits:
Noninterest bearing deposits	49,769	41,264	41,434
NOW, money market, interest checking	149,448	134,703	118,909
Savings	16,526	17,670	20,110
CDs less than $100,000	114,215	96,977	90,573
CDs more than $100,000	23,102	22,698	23,652
Brokered	46,607	73,467	111,106
Total deposits	399,667	386,779	405,784
Borrowings:
Federal Home Loan Bank	35,000	35,000	35,000
Other	1,069	1,069	1,140
Total borrowings	36,069	36,069	36,140
Other liabilities	1,853	1,966	2,619
Total liabilities	437,589	424,814	444,543
Shareholders' equity:
Preferred stock - No par value: Authorized 500,000 shares, 11,000 shares issued and outstanding	10,811	10,706	10,610
Common stock and additional paid in capital - No par value Authorized - 18,000,000 shares Issued and outstanding - 3,419,736 shares	43,525	43,525	43,509
Retained earnings (accumulated deficit)	(102)	(961)	1,236
Accumulated other comprehensive income	550	612	876
Total shareholders' equity	54,784	53,882	56,231
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 492,373	$ 478,696	$ 500,774