Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
ASSETS
Cash and cash equivalents	$ 46,785	$ 25,152
Interest-bearing deposits in other financial institutions	1,982	2,726
Securities available for sale	10,544	17,639
Loans held for sale	4,856	623
Loans, net of allowance of $6,171 and $5,237	170,325	153,043
FHLB stock	1,942	1,942
Foreclosed assets, net	1,464	1,525
Premises and equipment, net	3,451	5,317
Assets held for sale	2,070	167
Other intangible assets	20	49
Bank owned life insurance	4,503	4,405
Accrued interest receivable and other assets	2,450	2,447
Total assets	250,392	215,035
Deposits
Noninterest bearing	24,795	18,008
Interest bearing	185,881	155,500
Total deposits	210,676	173,508
FHLB advances	10,000	10,000
Advances by borrowers for taxes and insurance	174	241
Accrued interest payable and other liabilities	2,428	2,488
Subordinated debentures	5,155	5,155
Total liabilities	228,433	191,392
Stockholders' equity
Common stock, $.01 par value, shares authorized; 50,000,000 shares issued; 15,935,417 in 2013 and 15,936,417 in 2012	159	159
Additional paid-in capital	47,990	47,919
Accumulated deficit	(23,046)	(21,297)
Accumulated other comprehensive income	101	107
Treasury stock, at cost; 111,707 shares	(3,245)	(3,245)
Total stockholders' equity	21,959	23,643
Total liabilities and stockholder's equity	$ 250,392	$ 215,035