CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES:
NET INCOME	$ 1,406	$ 1,651
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	2,572	1,228
Amortization of premiums and discounts on securities, net	1,439	1,189
Depreciation and amortization	870	903
Deferred income taxes	(821)	0
FHLB stock dividend	(4)	(5)
Gain on securities	(282)	(10)
(Gain) loss on sale/disposal of other assets	(100)	60
Changes in:
Interest receivable	(493)	(172)
Cash value of life insurance, net	(173)	(168)
Other real estate writedown	252	1,158
Other assets	375	(3,088)
Interest payable	(197)	(164)
Other liabilities	1,786	1,619
Net cash provided by operating activities	6,630	4,201
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available-for-sale	(49,089)	(62,102)
Purchases of securities held-to-maturity	(32,185)	(21,726)
Proceeds from maturities and calls of securities available-for-sale	42,852	52,967
Proceeds from maturities and calls of securities held-to-maturity	16,655	10,145
Sales of securities available-for-sale	4,875	0
Additions to premises and equipment	(155)	(74)
Proceeds from sale of other assets	1,313	1,694
Purchase of bank-owned life insurance	(7)	0
Changes in:
(Increase) decrease in loans	(284)	9,148
Federal funds sold	11,980	(16,720)
Certificates of deposits with other banks	240	0
Net cash used in investing activities	(3,805)	(26,668)
CASH FLOWS FROM FINANCING ACTIVITIES
Dividends paid on preferred stock	(269)	(799)
Changes in:
Deposits	12,273	28,899
Reissuance of treasury stock	2	0
Repayment of debt	(2,453)	(2,586)
Proceeds from issuance of debt	736	226
Net cash provided by financing activities	10,289	25,740
Net increase in cash and cash equivalents	13,114	3,273
Cash and cash equivalents at beginning of period	15,264	17,045
Cash and cash equivalents at end of period	28,378	20,318
Cash paid during the period for:
Interest	2,512	3,375
Income taxes	308	0
Noncash activities:
Transfer of loans to other real estate and repossessed inventory	$ 5,468	$ 1,648