Consolidated Statements of Income (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
Federal funds sold and interest-bearing deposits	$ 13	$ 6	$ 56	$ 26
Federal Home Loan Bank stock	50	46	144	147
Securities:
Available for sale	656	804	2,066	2,558
Held to maturity	146	157	482	625
Total securities	802	961	2,548	3,183
Loans:
SBA loans	881	1,243	2,652	3,671
SBA 504 loans	647	838	2,098	2,626
Commercial loans	4,313	4,417	12,707	13,304
Residential mortgage loans	1,631	1,825	4,869	5,502
Consumer loans	534	616	1,624	1,931
Total loans	8,006	8,939	23,950	27,034
Total interest income	8,871	9,952	26,698	30,390
INTEREST EXPENSE
Interest-bearing demand deposits	108	137	368	420
Savings deposits	293	536	933	1,701
Time deposits	619	979	2,222	3,119
Borrowed funds and subordinated debentures	824	947	2,486	2,851
Total interest expense	1,844	2,599	6,009	8,091
Net interest income	7,027	7,353	20,689	22,299
Provision for loan losses	1,000	1,400	3,200	5,650
Net interest income after provision for loan losses	6,027	5,953	17,489	16,649
NONINTEREST INCOME
Branch fee income	383	374	1,131	1,054
Service and loan fee income	366	213	954	840
Gain on sale of SBA loans held for sale, net	46	338	427	848
Gain on sale of mortgage loans, net	662	250	1,526	506
BOLI income	74	74	220	221
Net security gains	7	266	514	353
Other income	236	139	558	534
Total noninterest income	1,774	1,654	5,330	4,356
NONINTEREST EXPENSE
Compensation and benefits	3,191	2,944	9,505	8,881
Occupancy	690	615	2,038	2,161
Processing and communications	544	549	1,631	1,593
Furniture and equipment	368	384	1,085	1,178
Professional services	196	206	598	599
Loan collection costs	182	235	453	660
OREO expenses	36	491	398	936
Deposit insurance	162	60	502	661
Advertising	181	187	630	510
Other expenses	449	430	1,319	1,328
Total noninterest expense	5,999	6,101	18,159	18,507
Income before provision for income taxes	1,802	1,506	4,660	2,498
Provision for income taxes	606	420	1,583	548
Net income	1,196	1,086	3,077	1,950
Preferred stock dividends and discount accretion	397	386	1,195	1,164
Income available to common shareholders	$ 799	$ 700	$ 1,882	$ 786
Net income per common share
Basic	$ 0.11	$ 0.09	$ 0.25	$ 0.11
Diluted	$ 0.10	$ 0.09	$ 0.24	$ 0.10
Weighted average common shares outstanding:
Basic	7,473	7,413	7,465	7,301
Diluted	7,782	7,781	7,786	7,719