CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
ASSETS
Cash and cash equivalents	$ 65,147	$ 61,436
Interest-bearing deposits in other financial institutions	1,984	1,984
Securities available for sale	14,300	18,516
Loans held for sale	2,571	1,210
Loans, net of allowance of $5,442 and $6,110	122,940	151,160
FHLB stock	1,942	1,942
Loan servicing rights	29	37
Foreclosed assets, net	1,572	2,370
Premises and equipment, net	5,369	5,534
Assets held for sale	167	167
Other intangible assets	59	89
Bank owned life insurance	4,371	4,273
Accrued interest receivable and other assets	1,680	2,202
Total assets	222,131	250,920
Deposits
Noninterest bearing	17,015	18,409
Interest bearing	162,563	198,640
Total deposits	179,578	217,049
Long-term FHLB advances	10,000	15,742
Advances by borrowers for taxes and insurance	125	159
Accrued interest payable and other liabilities	2,911	2,871
Subordinated debentures	5,155	5,155
Total liabilities	197,769	240,976
Stockholders' equity
Preferred stock, Series A, $.01 par value; aggregate liquidation value $7,691 in 2011 1,000,000 shares authorized; 7,225 shares issued in 2011		7,120
Common stock, $.01 par value, shares authorized; 50,000,000 in 2012 and 2011 shares issued; 15,936,417 in 2012 and 937,417 in 2011	159	9
Additional paid-in capital	47,979	27,837
Accumulated deficit	(20,863)	(22,163)
Accumulated other comprehensive income	332	386
Treasury stock, at cost; 111,707 shares	(3,245)	(3,245)
Total stockholders' equity	24,362	9,944
Total liabilities and stockholder's equity	$ 222,131	$ 250,920