CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 7,794	$ 5,642
Interest bearing deposits in financial institutions - maturities less than 90 days	30,652	18,142
Federal funds sold	3,021	6,573
Total cash and cash equivalents	41,467	30,357
Securities available for sale	90,523	91,830
Loans and leases, net of deferred fees	350,851	384,789
Less: Allowance for loan and lease losses	(18,309)	(18,336)
Loans and leases, net	332,542	366,453
Federal Home Loan Bank stock	1,801	1,801
Office buildings and equipment, net	9,114	9,454
Other real estate owned	22,343	24,326
Accrued interest receivable and other assets	4,739	7,507
Total assets	502,529	531,728
Deposits
Demand - noninterest bearing	65,258	61,341
Interest bearing	369,849	385,210
Total deposits	435,107	446,551
Securities sold under repurchase agreements	20,687	35,517
Subordinated debentures	10,310	10,310
Advances from borrowers for taxes and insurance	355	1,109
Accrued interest payable and other liabilities	5,331	4,956
Total liabilities	471,790	498,443
Stockholders' Equity
Common stock (Par value $0.40 per share, authorized 6,500,000 shares, issued 4,472,255 at September 30, 2011 and December 31, 2010. Shares outstanding of 4,278,755 and 4,072,255 shares at September 30, 2011 and December 31, 2010, respectively.)	1,789	1,789
Preferred stock (Par value $0.40 per share, authorized 1,000,000 shares, issued 17,211 shares with liquidation amounts of $1,000.00 per share at September 30, 2011 and December 31, 2010)	16,870	16,768
Warrants (584,084 issued and outstanding at September 30, 2011 and December 31, 2010)	681	681
Additional paid-in capital	7,003	11,584
Retained earnings	7,379	13,250
Treasury stock, at cost (193,500 shares at September 30, 2011 and 400,000 shares at December 31, 2010)	(4,489)	(9,280)
Accumulated other comprehensive income (loss)	1,506	(1,507)
Total stockholders' equity	30,739	33,285
Total liabilities and stockholders' equity	$ 502,529	$ 531,728