CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $) In Thousands, unless otherwise specified	Dec. 31, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 60,207	$ 63,433
Federal funds sold	28	29
Cash and cash equivalents	60,235	63,462
Investment securities available for sale	115,645	155,094
FHLB stock/Federal Reserve Bank stock, at cost	12,475	13,334
Loans held for investment	738,589	564,417
Allowance for loan losses	(8,522)	(8,879)
Loans held for investment, net	730,067	555,538
Accrued interest receivable	3,885	3,755
Other real estate owned	1,231	34
Premises and equipment	9,819	8,223
Deferred income taxes	8,998	11,103
Bank owned life insurance	12,977	12,454
Intangible assets	2,069
Other assets	3,727	3,819
TOTAL ASSETS	961,128	826,816
Deposit accounts:
Noninterest bearing	112,313	47,229
Interest bearing:
Transaction accounts	287,876	203,029
Retail certificates of deposit	428,688	407,108
Wholesale/brokered certificates of deposit		1,874
Total deposits	828,877	659,240
FHLB advances and other borrowings	28,500	68,500
Subordinated debentures	10,310	10,310
Accrued expenses and other liabilities	6,664	10,164
TOTAL LIABILITIES	874,351	748,214
COMMITMENTS AND CONTINGENCIES (Note 12)
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value; 1,000,000 shares authorized; no shares outstanding
Common stock, $.01 par value; 15,000,000 shares authorized; 10,337,626 shares at December 31, 2011, and 10,033,836 shares at December 31, 2010 issued and outstanding	103	100
Additional paid-in capital	76,310	79,942
Retained earnings (accumulated deficit)	10,046	(526)
Accumulated other comprehensive income (loss), net of tax (benefit) of $221 at December 31, 2011, and ($639) at December 31, 2010	318	(914)
TOTAL STOCKHOLDERS' EQUITY	86,777	78,602
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 961,128	$ 826,816