CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Interest Income
Loans, including fees	$ 8,347	$ 10,042	$ 17,041	$ 20,079
Securities, taxable	149	170	300	344
Other	79	64	147	118
Total interest income	8,575	10,276	17,488	20,541
Interest Expense
Deposits	1,209	2,039	2,464	4,289
Long-term borrowings and subordinated debentures	1,155	1,297	2,215	2,599
Total interest expense	2,364	3,336	4,679	6,888
Net interest income	6,211	6,940	12,809	13,653
Provision for loan losses	300	0	620	465
Net interest income after provision for loan losses	5,911	6,940	12,189	13,188
Other Income
Mortgage banking activities	1,348	336	2,429	711
Real estate commissions	96	152	208	360
Real estate management fees	172	176	338	320
Other	266	171	479	335
Total other income	1,882	835	3,454	1,726
Non-Interest Expenses
Compensation and related expenses	3,616	2,930	7,140	5,990
Occupancy	240	169	445	344
Foreclosed real estate expenses, net	1,287	681	2,189	1,898
Legal	232	215	422	350
FDIC assessments and regulatory expense	343	209	685	574
Other	1,753	1,528	3,375	2,715
Total non-interest expenses	7,471	5,732	14,256	11,871
Income before income tax provision	322	2,043	1,387	3,043
Income tax provision	90	840	534	1,263
Net income	232	1,203	853	1,780
Amortization of discount on preferred stock	(67)	(67)	(135)	(135)
Dividends on preferred stock	(293)	(293)	(585)	(655)
Net (loss) income available to common stockholders	$ (128)	$ 843	$ 133	$ 990
Basic (loss) earnings per share (in dollars per share)	$ (0.01)	$ 0.08	$ 0.01	$ 0.10
Diluted (loss) earnings per share (in dollars per share)	$ (0.01)	$ 0.08	$ 0.01	$ 0.10