Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Dec. 31, 2011	Dec. 31, 2010
Assets
Cash	$ 12,127	$ 8,203
Federal funds sold	19,470	13,775
Cash and cash equivalents	31,597	21,978
Securities available-for-sale, at fair value	18,979	10,524
Securities held-to-maturity (fair value of $13,261 at December 31, 2010)		12,737
Loans receivable held for sale, net	12,983	29,411
Loans receivable, net of allowance of $ 17,299 and $ 20,458	322,770	382,616
Accrued interest receivable	1,698	2,216
Federal Home Loan Bank (FHLB) stock, at cost	4,089	4,089
Office properties and equipment, net	4,626	5,094
Real estate owned	6,699	3,036
Bank owned life insurance	2,609	2,522
Investment in affordable housing limited partnership	1,675	2,000
Deferred tax assets	850	5,369
Other assets	5,162	2,338
Total assets	413,737	483,930
Liabilities and stockholders' equity
Deposits	294,686	348,445
Federal Home Loan Bank advances	83,000	87,000
Junior subordinated debentures	6,000	6,000
Other borrowings	5,000	5,000
Advance payments by borrowers for taxes and insurance	813	272
Other liabilities	5,962	4,353
Total liabilities	395,461	451,070
Commitments and Contingencies (Note 17)
Stockholders' Equity:
Preferred stock discount	(994)	(1,380)
Common stock, $.01 par value, authorized 8,000,000 shares at December 31, 2011 and 3,000,000 shares at December 31, 2010; issued 2,013,942 shares at December 31, 2011 and 2010; outstanding 1,744,565 shares at December 31, 2011 and 1,743,965 shares at December 31, 2010	20	20
Additional paid-in capital	10,824	10,740
(Accumulated deficit) / Retained earnings	(7,295)	8,074
Accumulated other comprehensive income, net of taxes of $400 at December 31, 2011 and $176 at December 31, 2010	571	263
Treasury stock-at cost, 269,377 shares at December 31, 2011 and 269,977 shares at December 31, 2010	(3,444)	(3,451)
Total stockholders' equity	18,276	32,860
Total liabilities and stockholders' equity	413,737	483,930
Non-cumulative Preferred Stock
Stockholders' Equity:
Preferred non-voting stock, value	3,657	3,657
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