CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands	6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES:
Net (loss) income	$ (2,648)	$ 1,329
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Depreciation and amortization	387	312
Provision for loan losses	5,000	2,270
Gain on sale of loans	(87)	(69)
Loss (gain) on sale of other real estate owned	145	(185)
Loss on investments	50	0
Gain on premises and equipment	(10)	0
Increase in cash surrender value of bank owned life insurance	(102)	(83)
Restricted stock awards	0	3
Excess servicing rights	(48)	(24)
Origination of loans held for sale	(4,002)	(5,944)
Proceeds from sales of loans held for sale	4,050	6,027
Net change in:
Accrued interest receivable and other assets	(3,348)	(1,238)
Other liabilities	(87)	545
Net cash (used) provided by operating activities	(700)	2,943
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment securities available-for-sale	(4,437)	0
Purchases of investment securities held-to-maturity	(13,834)	(4,423)
Net redemption of restricted investment securities	18	0
Proceeds from sales, maturities, calls and principal payments of investment securities available-for-sale	171	4
Proceeds from maturities, calls and principal payments of investment securities held-to-maturity	6,128	1,845
Net decrease in loans	12,950	9,055
Proceeds from sale of other real estate owned	1,267	2,023
Proceeds from premises and equipment	19	0
Purchases of premises and equipment	(199)	(77)
Net cash provided by investing activities	2,083	8,427
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in deposits	(15,171)	(7,938)
Net decrease in advances from Federal Home Loan Bank of Atlanta	0	(72)
Net increase in other borrowed funds	0	1,169
Proceeds from issuance of common stock	21	8
Net cash used in financing activities	(15,150)	(6,833)
(DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(13,767)	4,537
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	51,969	35,464
CASH AND CASH EQUIVALENTS AT END OF PERIOD	38,202	40,001
Supplemental disclosure of cash flows information:
Cash paid for income taxes	1,355	3,127
Cash paid for interest	3,636	4,942
Transfer from loans to other real estate owned	$ 6,862	$ 2,563