Consolidated Statements of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST INCOME
Federal funds sold and interest-bearing deposits	$ 14	$ 32
Federal Home Loan Bank stock	44	51
Securities:
Taxable	647	752
Tax-exempt	120	142
Total securities	767	894
Loans:
SBA loans	777	924
SBA 504 loans	651	759
Commercial loans	4,001	4,183
Residential mortgage loans	1,550	1,655
Consumer loans	509	560
Total loans	7,488	8,081
Total interest income	8,313	9,058
INTEREST EXPENSE
Interest-bearing demand deposits	101	136
Savings deposits	177	354
Time deposits	546	913
Borrowed funds and subordinated debentures	800	847
Total interest expense	1,624	2,250
Net interest income	6,689	6,808
Provision for loan losses	650	1,200
Net interest income after provision for loan losses	6,039	5,608
NONINTEREST INCOME
Branch fee income	347	386
Service and loan fee income	304	302
Gain on sale of SBA loans held for sale, net	241	157
Gain on sale of mortgage loans, net	477	411
BOLI income	70	73
Net security gains	226	224
Other income	160	162
Total noninterest income	1,825	1,715
NONINTEREST EXPENSE
Compensation and benefits	3,176	3,182
Occupancy	694	609
Processing and communications	561	534
Furniture and equipment	365	362
Professional services	190	190
Loan collection costs	177	180
OREO expenses	127	124
Deposit insurance	149	171
Advertising	120	146
Other expenses	567	461
Total noninterest expense	6,126	5,959
Income before provision for income taxes	1,738	1,364
Provision for income taxes	538	459
Net income	1,200	905
Preferred stock dividends and discount accretion	404	396
Income available to common shareholders	$ 796	$ 509
Net income per common share
Basic	$ 0.11	$ 0.07
Diluted	$ 0.10	$ 0.07
Weighted average common shares outstanding:
Basic	7,538	7,460
Diluted	7,845	7,792