Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Sep. 30, 2011	Dec. 31, 2010
Assets
Cash	$ 13,735	$ 8,203
Federal funds sold	7,240	13,775
Cash and cash equivalents	20,975	21,978
Securities available for sale, at fair value	8,612	10,524
Securities held to maturity (fair value of $11,509 at September 30, 2011 and $13,261 at December 31, 2010)	11,000	12,737
Loans receivable held-for-sale, net	15,212	29,411
Loans receivable, net of allowance of $19,805 and $20,458	339,479	382,616
Accrued interest receivable	1,759	2,216
Federal Home Loan Bank (FHLB) stock, at cost	4,089	4,089
Office properties and equipment, net	4,821	5,094
Real estate owned (REO), net	5,385	3,036
Bank owned life insurance	2,588	2,522
Deferred tax assets	2,873	5,369
Other assets	5,444	4,338
Total assets	422,237	483,930
Liabilities and stockholders' equity
Deposits	294,850	348,445
Federal Home Loan Bank advances	87,000	87,000
Junior subordinated debentures	6,000	6,000
Other borrowings	5,000	5,000
Advance payments by borrowers for taxes and insurance	584	272
Other liabilities	5,768	4,353
Total liabilities	399,202	451,070
Stockholders' Equity:
Preferred stock discount	(1,092)	(1,380)
Common stock, $.01 par value, authorized 8,000,000 shares at September 30, 2011 and December 31, 2010; issued 2,013,942 shares at September 30, 2011 and December 31, 2010; outstanding 1,744,565 shares at September 30, 2011 and 1,743,965 shares at December 31, 2010	20	20
Additional paid-in capital	14,460	14,395
Retained earnings (accumulated deficit)	(2,141)	8,074
Accumulated other comprehensive income, net of taxes of $206 at September 30, 2011 and $176 at December 31, 2010	293	263
Treasury stock-at cost, 269,377 shares at September 30, 2011 and 269,977 shares at December 31, 2010	(3,444)	(3,451)
Total stockholders' equity	23,035	32,860
Total liabilities and stockholders' equity	422,237	483,930
Noncumulative preferred stock
Stockholders' Equity:
Preferred non-voting stock, value	2	2
Series D | Cumulative preferred stock
Stockholders' Equity:
Preferred non-voting stock, value	8,963	8,963
Series E | Cumulative preferred stock
Stockholders' Equity:
Preferred non-voting stock, value	$ 5,974	$ 5,974