Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
Assets
Cash	$ 15,805	$ 12,127
Federal funds sold	40,740	19,470
Cash and cash equivalents	56,545	31,597
Securities available for sale, at fair value	14,584	18,979
Loans receivable held-for-sale, net	11,215	12,983
Loans receivable, net of allowance of $16,984 and $17,299	282,292	322,770
Accrued interest receivable	1,395	1,698
Federal Home Loan Bank (FHLB) stock, at cost	3,901	4,089
Office properties and equipment, net	2,672	4,626
Real estate owned	2,292	6,699
Bank owned life insurance	2,669	2,609
Investment in affordable housing limited partnership	1,549	1,675
Deferred tax assets	0	850
Other assets	5,166	5,162
Total assets	384,280	413,737
Liabilities
Deposits	262,808	294,686
Federal Home Loan Bank advances	83,000	83,000
Junior subordinated debentures	6,000	6,000
Other borrowings	5,000	5,000
Advance payments by borrowers for taxes and insurance	1,085	813
Other liabilities	7,347	5,962
Total liabilities	365,240	395,461
Shareholders' Equity:
Preferred stock discount	(698)	(994)
Common stock, $.01 par value, authorized 8,000,000 shares at September 30, 2012 and December 31, 2011; issued 2,013,942 shares at September 30, 2012 and December 31, 2011; outstanding 1,859,951 shares at September 30, 2012 and 1,744,565 shares at December 31, 2011	20	20
Additional paid-in capital	9,559	10,824
Accumulated deficit	(6,915)	(7,295)
Accumulated other comprehensive income, net of taxes of $400 at September 30, 2012 and December 31, 2011	449	571
Treasury stock-at cost, 153,991 shares at September 30, 2012 and 269,377 shares at December 31, 2011	(1,969)	(3,444)
Total stockholders' equity	19,040	18,276
Total liabilities and stockholders' equity	384,280	413,737
Non-cumulative preferred stock
Shareholders' Equity:
Preferred Stock	3,657	3,657
Series D | Cumulative preferred stock
Shareholders' Equity:
Preferred Stock	8,963	8,963
Series E | Cumulative preferred stock
Shareholders' Equity:
Preferred Stock	$ 5,974	$ 5,974