CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS) (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
INTEREST INCOME:
Interest and fees on loans	$ 4,806	$ 5,365	$ 9,145	$ 11,191
Interest on investment securities	83	97	183	154
Dividends on FHLB and FRB stock	35	17	56	34
Other interest income	15	15	29	33
Total interest income	4,939	5,494	9,413	11,412
INTEREST EXPENSE:
Interest expense on deposits	941	1,125	1,910	2,386
Interest expense on junior subordinated debentures	96	179	258	476
Interest expense on advances from FHLB	543	614	1,156	1,221
Interest expense on other borrowed funds	5	9	20	24
Total interest expense	1,585	1,927	3,344	4,107
NET INTEREST INCOME	3,354	3,567	6,069	7,305
PROVISION FOR LOAN LOSSES	110	4,500	3,060	5,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	3,244	(933)	3,009	2,305
NONINTEREST INCOME:
Deposit account fees	121	140	236	274
ATM fees	123	117	238	223
Commission income	1	0	1	1
Gain on sale of loans	297	30	1,353	87
Loss on sale of other real estate owned	(15)	(140)	(225)	(145)
Loss on investments	0	0	0	(50)
Income from bank owned life insurance	48	56	92	102
Other	159	75	252	149
Total noninterest income	734	278	1,947	641
NONINTEREST EXPENSE:
Salaries and employee benefits	1,157	1,405	2,482	2,689
Occupancy expense	176	177	359	400
Equipment and data processing expense	312	328	634	626
FDIC deposit insurance premium	243	632	530	824
Other real estate owned expense and valuation	1,407	645	1,842	1,341
Professional fees	404	296	914	463
Loan collection expense	344	199	430	514
Other	414	271	763	570
Total noninterest expense	4,457	3,953	7,954	7,427
NET LOSS BEFORE INCOME TAXES	(479)	(4,608)	(2,998)	(4,481)
INCOME TAX BENEFIT	(208)	(1,874)	(1,212)	(1,833)
NET LOSS (CARRIED FORWARD)	(271)	(2,734)	(1,786)	(2,648)
NET LOSS (BROUGHT FORWARD)	(271)	(2,734)	(1,786)	(2,648)
OTHER COMPREHENSIVE LOSS
Unrealized gains (losses) on investment securities, net of deferred taxes	97	(36)	102	(49)
TOTAL COMPREHENSIVE (LOSS) INCOME	(174)	(2,770)	(1,684)	(2,697)
NET LOSS	(271)	(2,734)	(1,786)	(2,648)
PREFERRED STOCK DIVIDENDS AND DISCOUNT ACCRETION	(183)	(181)	(367)	(362)
NET LOSS AVAILABLE TO COMMON STOCKHOLDERS	$ (454)	$ (2,915)	$ (2,153)	$ (3,010)
Loss per common share - basic (in dollars per share)	$ (0.06)	$ (0.39)	$ (0.29)	$ (0.41)
Loss per common share - diluted (in dollars per share)	$ (0.06)	$ (0.39)	$ (0.29)	$ (0.41)
Dividends declared per common share (in dollars per share)	$ 0.00	$ 0.00	$ 0.00	$ 0.00