Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
ASSETS
Cash and cash equivalents	$ 21,578	$ 19,160
Interest-bearing deposits in other financial institutions	1,486	1,982
Securities available for sale	9,074	9,672
Loans held for sale, at fair value	4,090	3,285
Loans, net of allowance of $5,763 and $5,729	208,902	207,141
FHLB stock	1,942	1,942
Foreclosed assets, net	1,636	1,636
Premises and equipment, net	3,753	3,547
Bank owned life insurance	4,567	4,535
Accrued interest receivable and other assets	1,961	2,848
Total assets	258,989	255,748
Deposits
Noninterest bearing	30,772	27,652
Interest bearing	184,916	180,657
Total deposits	215,688	208,309
FHLB advances	13,000	10,000
Other secured borrowings		6,526
Advances by borrowers for taxes and insurance	137	575
Accrued interest payable and other liabilities	2,309	2,319
Subordinated debentures	5,155	5,155
Total liabilities	236,289	232,884
Stockholders' equity
Common stock, $.01 par value, shares authorized; 50,000,000 shares issued; 15,935,417 in 2014 and 2013	159	159
Additional paid-in capital	48,141	48,067
Accumulated deficit	(22,429)	(22,215)
Accumulated other comprehensive income	74	98
Treasury stock, at cost; 111,707 shares	(3,245)	(3,245)
Total stockholders' equity	22,700	22,864
Total liabilities and stockholder's equity	$ 258,989	$ 255,748