CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST INCOME:
Interest and fees on loans	$ 4,174	$ 4,339
Interest on investment securities	125	100
Dividends on FHLB and FRB stock	34	21
Other interest-earning assets	23	14
Total interest income	4,356	4,474
INTEREST EXPENSE:
Interest expense on deposits	844	969
Interest expense on junior subordinated debentures	88	162
Interest expense on advances from FHLB	482	613
Interest expense on other borrowed funds	0	15
Total interest expense	1,414	1,759
NET INTEREST INCOME	2,942	2,715
PROVISION FOR LOAN LOSSES	700	2,950
NET INTEREST INCOME (LOSS) AFTER PROVISION FOR LOAN LOSSES	2,242	(235)
NONINTEREST INCOME:
Deposit account fees	123	115
ATM fees	108	115
Gain on sale of loans	38	1,056
Loss on sale of other real estate owned	(30)	(210)
Gain on sale of investments	375	0
Income from bank owned life insurance	40	44
Other	38	93
Total noninterest income	692	1,213
NONINTEREST EXPENSE:
Salaries and employee benefits	1,432	1,325
Occupancy expense	251	183
Equipment and data processing expense	339	322
FDIC deposit insurance premium	236	287
Other real estate owned expense and valuation adjustments	530	435
Professional fees	347	510
Loan collection expense	204	86
Other	365	349
Total noninterest expense	3,704	3,497
NET LOSS BEFORE INCOME TAXES	(770)	(2,519)
INCOME TAX BENEFIT	0	(1,004)
NET LOSS (CARRIED FORWARD)	(770)	(1,515)
NET LOSS (BROUGHT FORWARD)	(770)	(1,515)
OTHER COMPREHENSIVE INCOME
Unrealized (losses) gains on investment securities, net of taxes of $0 and $3	(513)	5
TOTAL COMPREHENSIVE LOSS	(1,283)	(1,510)
NET LOSS (CARRIED FORWARD)	(770)	(1,515)
PREFERRED STOCK DIVIDENDS AND DISCOUNT ACCRETION	(221)	(184)
NET LOSS AVAILABLE TO COMMON STOCKHOLDERS	$ (991)	$ (1,699)
Loss per common share - basic (in dollars per share)	$ (0.13)	$ (0.23)
Loss per common share - diluted (in dollars per share)	$ (0.13)	$ (0.23)
Dividends declared per common share (in dollars per share)	$ 0.00	$ 0.00