CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:
Net loss	$ (1,786)	$ (2,648)
Adjustments to reconcile net loss to net cash provided by operating activities:
Depreciation and amortization	694	387
Provision for loan losses	3,060	5,000
Gain on sale of loans	(1,353)	(87)
Loss on sale of other real estate owned	225	145
Loss on investments	0	50
Loss (gain) on premises and equipment	6	(10)
Gain on assets held for sale	(18)	0
Increase in cash surrender value of bank owned life insurance	(92)	(102)
Valuation allowance on other real estate owned	1,141	928
Excess servicing rights	(46)	(48)
Origination of loans held for sale	(18,334)	(4,002)
Proceeds from sales of loans held for sale	19,679	4,050
Net change in:
Accrued interest receivable and other assets	(40)	(4,276)
Other liabilities	856	(87)
Net cash provided by (used in) operating activities	3,992	(700)
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment securities available-for-sale	(8,962)	(4,437)
Purchases of investment securities held-to-maturity	(250)	(13,834)
Proceeds from sales, maturities, calls and principal payments of investment securities available-for-sale	5,978	171
Proceeds from maturities, calls and principal payments of investment securities held-to-maturity	3,998	6,128
Net redemption of restricted investment securities	375	18
Net (increase) decrease in loans	(12,150)	12,950
Proceeds from sale of other real estate owned	1,220	1,267
Proceeds from sale of premises and equipment	25	19
Purchases of premises and equipment	(125)	(199)
Proceeds from sale of assets held for sale	5,911	0
Net cash (used in) provided by investing activities	(3,980)	2,083
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	4,195	(15,171)
Net decrease in advances from Federal Home Loan Bank of Atlanta	(10,000)	0
Proceeds from issuance of preferred stock	2,796	0
Proceeds from issuance of common stock	0	21
Net cash used in financing activities	(3,009)	(15,150)
DECREASE IN CASH AND CASH EQUIVALENTS	(2,997)	(13,767)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	34,411	51,969
CASH AND CASH EQUIVALENTS AT END OF PERIOD	31,414	38,202
SUPPLEMENTAL DISCLOSURE OF CASH FLOWS INFORMATION:
Cash paid for income taxes	0	1,355
Cash paid for interest	3,155	3,636
Transfer from loans to other real estate owned	$ 13,666	$ 6,862