CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest and dividend income:
Loans, including fees	$ 10,011	$ 10,670	$ 31,400	$ 32,913
Securities
Taxable	455	544	1,373	1,734
Tax exempt	144	133	424	349
Dividends	63	71	204	212
Other Interest	20	20	134	57
Interest and dividend income	10,693	11,438	33,535	35,265
Interest expense:
Deposits	2,079	2,745	6,662	8,452
Securities sold under agreements to repurchase	1	13	17	44
Other borrowed funds	157	298	499	1,056
Subordinated debentures	272	272	816	816
Interest expense	2,509	3,328	7,994	10,368
Net interest income	8,184	8,110	25,541	24,897
Provision for loan losses	1,152	2,225	4,855	3,867
Net interest income after provision for loan losses	7,032	5,885	20,686	21,030
Noninterest income:
Service charges on deposit accounts	578	558	1,671	1,687
Trust fees	52	55	167	174
Income from bank owned life insurance	184	189	545	553
Mortgage banking income	97	131	234	260
Electronic refund check / deposit fees	0	2	2,533	773
Debit / credit card interchange income	367	264	1,011	721
Gain (loss) on sale of other real estate owned	(474)	(83)	(464)	(160)
Other	254	266	707	763
Noninterest income	1,058	1,382	6,404	4,771
Noninterest expense:
Salaries and employee benefits	4,165	3,991	12,272	11,876
Occupancy	394	402	1,198	1,213
Furniture and equipment	282	297	844	893
FDIC insurance	181	265	793	786
Data processing	278	208	729	613
Other	1,701	1,700	5,244	5,339
Noninterest expense	7,001	6,863	21,080	20,720
Income before income taxes	1,089	404	6,010	5,081
Provision for income taxes	203	(17)	1,536	1,283
NET INCOME	$ 886	$ 421	$ 4,474	$ 3,798
Earnings per share (in dollars per share)	$ 0.22	$ 0.10	$ 1.12	$ 0.95