CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Interest Income
Loans, including fees	$ 8,878	$ 10,764	$ 28,957	$ 33,340
Securities, taxable	167	170	511	442
Other	59	57	177	161
Total interest income	9,104	10,991	29,645	33,943
Interest Expense
Deposits	1,779	2,557	6,068	8,053
Long-term borrowings and subordinated debentures	1,248	1,299	3,847	3,875
Total interest expense	3,027	3,856	9,915	11,928
Net interest income	6,077	7,135	19,730	22,015
Provision for loan losses	0	850	465	4,471
Net interest income after provision for loan losses	6,077	6,285	19,265	17,544
Other Income
Real estate commissions	128	187	488	421
Real estate management fees	147	168	467	469
Mortgage banking activities	521	118	1,232	300
Other	243	155	578	447
Total other income	1,039	628	2,765	1,637
Non-Interest Expenses
Compensation and related expenses	2,863	2,543	8,853	7,668
Occupancy	189	316	533	872
Foreclosed real estate expenses, net	895	1,242	2,793	4,676
Legal	161	239	511	676
FDIC assessments and regulatory expense	706	553	1,626	1,695
Other	1,338	1,066	4,053	3,252
Total non-interest expenses	6,152	5,959	18,369	18,839
Income before income tax provision	964	954	3,661	342
Income tax provision	406	403	1,534	190
Net income	558	551	2,127	152
Amortization of discount on preferred stock	(68)	(68)	(203)	(203)
Dividends on preferred stock	(293)	(362)	(948)	(1,087)
Net income (loss) available to common stockholders	$ 197	$ 121	$ 976	$ (1,138)
Basic earnings (loss) per share (in dollars per share)	$ 0.02	$ 0.01	$ 0.10	$ (0.11)
Diluted earnings (loss) per share (in dollars per share)	$ 0.02	$ 0.01	$ 0.10	$ (0.11)