CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and fees on loans:
Taxable	$ 6,077	$ 5,803	$ 17,980	$ 17,256
Tax-exempt	26	28	81	90
Interest on securities:
Taxable	245	226	726	728
Tax-exempt	9	6	22	20
Other interest income	33	41	96	96
Total interest income	6,390	6,104	18,905	18,190
INTEREST EXPENSE:
Deposits	879	1,011	2,642	2,986
Borrowings	163	163	490	492
Total interest expense	1,042	1,174	3,132	3,478
Net interest income	5,348	4,930	15,773	14,712
Provision for loan losses	375	150	850	795
Net interest income after provision for loan losses	4,973	4,780	14,923	13,917
OTHER INCOME:
Deposit service fees	158	155	495	538
Income from loans sold in the secondary market	203	320	781	844
SBA/USDA loan sale gains	135	506	798	1,126
Mortgage servicing income	128	92	413	292
Other	114	76	260	260
Total other income	738	1,149	2,747	3,060
OTHER EXPENSE:
Salaries and employee benefits	2,226	2,063	6,907	6,041
Occupancy	362	370	1,107	1,050
Furniture and equipment	274	213	799	660
Data processing	269	253	802	739
Professional service fees	161	210	706	700
Loan and deposit	55	195	173	674
Writedowns and losses on other real estate held for sale	57	265	146	450
FDIC insurance assessment	100	36	300	354
Telephone	84	56	229	168
Advertising	119	96	334	292
Other	652	610	1,690	1,280
Total other expenses	4,359	4,367	13,193	12,408
Income before provision for income taxes	1,352	1,562	4,477	4,569
Provision for (benefit of) income taxes	456	528	1,508	(1,458)
NET INCOME	896	1,034	2,969	6,027
Preferred dividend and accretion of discount	50	137	250	491
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$ 846	$ 897	$ 2,719	$ 5,536
INCOME PER COMMON SHARE:
Basic (in dollars per share)	$ 0.15	$ 0.21	$ 0.49	$ 1.30
Diluted (in dollars per share)	$ 0.15	$ 0.20	$ 0.49	$ 1.25