CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Interest and fees on loans:
Taxable	$ 5,803	$ 5,584	$ 17,256	$ 15,918
Tax-exempt	28	35	90	114
Interest on securities:
Taxable	226	304	728	878
Tax-exempt	6	7	20	21
Other interest income	41	26	96	89
Total interest income	6,104	5,956	18,190	17,020
INTEREST EXPENSE:
Deposits	1,011	1,091	2,986	3,540
Borrowings	163	156	492	452
Total interest expense	1,174	1,247	3,478	3,992
Net interest income	4,930	4,709	14,712	13,028
Provision for loan losses	150	400	795	1,000
Net interest income after provision for loan losses	4,780	4,309	13,917	12,028
OTHER INCOME:
Deposit service fees	155	180	538	616
Income from secondary market loans sold	320	195	844	394
SBA/USDA loan sale gains	506	283	1,126	1,469
Mortgage servicing income	92	300	292	300
Other	76	48	260	152
Total other income	1,149	1,006	3,060	2,931
OTHER EXPENSE:
Salaries and employee benefits	2,063	1,811	6,041	5,441
Occupancy	370	334	1,050	1,048
Furniture and equipment	213	197	660	612
Data processing	253	177	739	532
Professional service fees	210	165	700	550
Loan and deposit	195	288	674	719
Writedowns and losses on other real estate held for sale	265	296	450	728
FDIC insurance assessment	36	215	354	755
Telephone	56	51	168	160
Advertising	96	93	292	292
Other	610	333	1,280	912
Total other expenses	4,367	3,960	12,408	11,749
Income before provision for income taxes	1,562	1,355	4,569	3,210
Provision for (benefit of) income taxes	528	455	(1,458)	1,071
NET INCOME	1,034	900	6,027	2,139
Preferred dividend and accretion of discount	137	193	491	573
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$ 897	$ 707	$ 5,536	$ 1,566
INCOME PER COMMON SHARE:
Basic (in dollars per share)	$ 0.19	$ 0.21	$ 1.44	$ 0.46
Diluted (in dollars per share)	$ 0.18	$ 0.20	$ 1.39	$ 0.45