SEGMENT INFORMATION

9 Months Ended

Sep. 30, 2011

Segment Reporting [Abstract]

SEGMENT INFORMATION

NOTE 7 – SEGMENT INFORMATION

The reportable segments are determined by the products and services offered, primarily distinguished between banking and consumer finance. They are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business which are then aggregated if operating performance, products/services, and customers are similar. Loans, investments, and deposits provide the majority of the net revenues from the banking operation, while loans provide the majority of the net revenues for the consumer finance segment. All Company segments are domestic.

Total revenues from the banking segment, which accounted for the majority of the Company's total revenues, totaled 91.5% and 92.6% of total consolidated revenues for the years ended September 30, 2011 and 2010, respectively.

The accounting policies used for the Company's reportable segments are the same as those described in Note 1 - Summary of Significant Accounting Policies. Income taxes are allocated based on income before tax expense.

Information for the Company’s reportable segments is as follows:

	Three Months Ended September 30, 2011
	Banking		Consumer Finance		Total Company
Net interest income	$	7,562	$	622	$	8,184
Provision expense	$	1,150	$	2	$	1,152
Tax expense	$	133	$	70	$	203
Net income	$	748	$	138	$	886
Assets	$	810,306	$	13,810	$	824,116

	Three Months Ended September 30, 2010
	Banking			Consumer Finance		Total Company
Net interest income	$	7,514		$	596	$	8,110
Provision expense	$	2,225		$	----	$	2,225
Tax expense	$	(82	)	$	65	$	(17	)
Net income	$	292		$	129	$	421
Assets	$	841,101		$	13,999	$	855,100

	Nine Months Ended September 30, 2011
	Banking		Consumer Finance		Total Company
Net interest income	$	23,113	$	2,428	$	25,541
Provision expense	$	4,795	$	60	$	4,855
Tax expense	$	1,000	$	536	$	1,536
Net income	$	3,424	$	1,050	$	4,474
Assets	$	810,306	$	13,810	$	824,116

	Nine Months Ended September 30, 2010
	Banking		Consumer Finance		Total Company
Net interest income	$	22,640	$	2,257	$	24,897
Provision expense	$	3,745	$	122	$	3,867
Tax expense	$	890	$	393	$	1,283
Net income	$	3,026	$	772	$	3,798
Assets	$	841,101	$	13,999	$	855,100