Consolidated Statements of Operations (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Mar. 31, 2011	Mar. 31, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest Income
Loans, including fees	$ 11,047	$ 13,004	$ 22,576	$ 25,546
Securities, taxable	150	11	272	51
Other	57	30	104	44
Total interest income	11,254	13,045	22,952	25,641
Interest Expense
Deposits	2,658	3,580	5,496	7,162
Long-term borrowings and subordinated debentures	1,288	1,415	2,576	2,813
Total interest expense	3,946	4,995	8,072	9,975
Net interest income	7,308	8,050	14,880	15,666
Provision for loan losses	2,987	1,000	3,621	3,544
Net interest income after provision for loan losses	4,321	7,050	11,259	12,122
Non-Interest Income
Real estate commissions	123	93	234	230
Real estate management fees	159	133	301	284
Mortgage banking activities	27	122	182	221
Other	138	189	292	365
Total non-interest income	447	537	1,009	1,100
Non-Interest Expenses
Compensation and related expenses	2,511	2,506	5,125	4,958
Occupancy	301	319	556	753
Foreclosed real estate expenses, net	1,489	1,641	3,434	3,263
Legal fees	253	341	437	609
FDIC assessments and regulatory expense	582	568	1,142	1,129
Other	1,035	1,158	2,186	2,285
Total non-interest expenses	6,171	6,533	12,880	12,997
Income (loss) before income tax provision (benefit)	(1,403)	1,054	(612)	225
Income tax provision (benefit)	(557)	461	(213)	160
Net income (loss)	(846)	593	(399)	65
Amortization of discount on preferred stock	(67)	(67)	(135)	(135)
Dividends on preferred stock	(363)	(363)	(725)	(725)
Net income (loss) available to common stockholders	$ (1,276)	$ 163	$ (1,259)	$ (795)
Basic earnings (loss) per share (in dollars per share)	$ (0.13)	$ 0.02	$ (0.13)	$ (0.08)
Diluted earnings (loss) per share (in dollars per share)	$ (0.13)	$ 0.02	$ (0.13)	$ (0.08)
Common stock dividends declared per share (in dollars per share)	$ 0.00	$ 0.00	$ 0.00	$ 0.00