Consolidated Statements of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
INTEREST INCOME
Federal funds sold and interest-bearing deposits	$ 9	$ 14
Federal Home Loan Bank stock	47	44
Securities:
Taxable	726	647
Tax-exempt	105	120
Total securities	831	767
Loans:
SBA loans	583	777
SBA 504 loans	399	651
Commercial loans	4,601	4,001
Residential mortgage loans	2,058	1,550
Consumer loans	495	509
Total loans	8,136	7,488
Total interest income	9,023	8,313
INTEREST EXPENSE
Interest-bearing demand deposits	111	101
Savings deposits	182	177
Time deposits	644	546
Borrowed funds and subordinated debentures	799	800
Total interest expense	1,736	1,624
Net interest income	7,287	6,689
Provision for loan losses	600	650
Net interest income after provision for loan losses	6,687	6,039
NONINTEREST INCOME
Branch fee income	377	347
Service and loan fee income	295	304
Gain on sale of SBA loans held for sale, net	83	241
Gain on sale of mortgage loans, net	365	477
BOLI income	96	70
Net security gains	110	226
Other income	200	160
Total noninterest income	1,526	1,825
NONINTEREST EXPENSE
Compensation and benefits	3,217	3,176
Occupancy	659	694
Processing and communications	582	561
Furniture and equipment	357	365
Professional services	211	190
Loan collection costs	170	177
OREO expenses	247	127
Deposit insurance	178	149
Advertising	151	120
Other expenses	486	567
Total noninterest expense	6,258	6,126
Income before provision for income taxes	1,955	1,738
Provision for income taxes	662	538
Net income	1,293	1,200
Preferred stock dividends and discount accretion		404
Income available to common shareholders	$ 1,293	$ 796
Net income per common share
Basic	$ 0.17	$ 0.11
Diluted	$ 0.17	$ 0.10
Weighted average common shares outstanding:
Basic	7,586	7,538
Diluted	7,654	7,845