CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:
NET INCOME	$ 832	$ 628
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	52	430
Amortization of premiums and discounts on securities, net	468	429
Depreciation and amortization	312	302
FHLB stock dividend	(1)	(1)
(Gain) on sale/disposal of other assets, net	0	(34)
Changes in:
Interest receivable	99	(136)
Cash value of life insurance, net	(58)	(66)
Other assets	(1,137)	436
Interest payable	(39)	(152)
Other liabilities	1,810	496
Net cash provided by operating activities	2,338	2,332
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available-for-sale	(26,245)	(12,626)
Proceeds of maturities and calls of securities available-for-sale	7,077	5,847
Purchases of securities held-to-maturity	(7,964)	(13,278)
Proceeds of maturities and calls of securities held-to-maturity	12,240	2,620
Additions to premises and equipment	(55)	(27)
Proceeds from sale of other assets	71	808
Changes in:
Loans	1,477	730
Federal funds sold	(8,000)	(7,000)
Certificates of deposits with other banks	(5,248)	240
Net cash used in investing activities	(26,647)	(22,686)
CASH FLOWS FROM FINANCING ACTIVITIES
Dividends paid on preferred stock	(90)	(90)
Changes in:
Deposits	29,749	24,338
Repayment of debt	(4,211)	(2,044)
Proceeds from issuance of debt	0	364
Net cash provided by financing activities	25,448	22,568
Net increase in cash and cash equivalents	1,139	2,214
Cash and cash equivalents at beginning of period	20,890	15,264
Cash and cash equivalents at end of period	22,029	17,478
Cash paid during the period for:
Interest	649	931
Income taxes	16	0
Noncash activities:
Transfer of loans to other real estate and repossessed inventory	$ 906	$ 422