CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
INTEREST INCOME
Interest and fees on loans	$ 3,546	$ 3,832	$ 10,524	$ 11,413
Interest and dividends on securities	1,188	1,150	3,546	3,453
Federal funds sold	10	16	40	40
Other	8	12	15	27
Total interest income	4,752	5,010	14,125	14,933
INTEREST EXPENSE
Interest on deposits	464	787	1,628	2,475
Interest on borrowings	255	273	687	736
Total interest expense	719	1,060	2,315	3,211
Net Interest Income	4,033	3,950	11,810	11,722
Provision for loan losses	1,066	376	2,572	1,228
Net interest income after provision for loan losses	2,967	3,574	9,238	10,494
OTHER INCOME
Service charges on deposit accounts	1,064	1,119	3,058	3,268
Trust Department income	215	195	648	635
Securities net gain	37	5	282	10
Other income	319	439	1,154	910
Total other income	1,635	1,758	5,142	4,823
OTHER EXPENSES
Salaries and employee benefits	2,538	2,145	7,656	6,932
Occupancy expense	580	603	1,729	1,823
Other operating expense	1,223	2,428	3,644	4,839
Total other expenses	4,341	5,176	13,029	13,594
INCOME BEFORE PROVISION FOR INCOME TAXES	261	156	1,351	1,723
PROVISION (BENEFIT) FOR INCOME TAXES	(50)	(136)	(55)	72
NET INCOME	311	292	1,406	1,651
Preferred Dividends	(132)	(293)	(451)	(863)
NET INCOME APPLICABLE TO COMMON SHAREHOLDERS	$ 179	$ (1)	$ 955	$ 788
BASIC NET INCOME PER COMMON SHARE	$ 0.06	$ 0	$ 0.33	$ 0.27