CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Net loss	$ (3,332)	$ (4,066)
Adjustments to reconcile net loss to net cash from operating activities:
Provision for loan losses	943	2,256
Provision for losses on foreclosed assets	962	1,139
Valuation (gain) loss on mortgage servicing rights	(1)	(2)
Depreciation	183	311
Amortization, net	529	632
Net gains on sales of securities	(143)	(232)
Originations of loans held for sale	(20,676)	(27,562)
Proceeds from sale of loans held for sale	19,486	27,475
Net gains on sales of loans	(281)	(222)
Loss on disposal of premises and equipment	4
Loss on sale of assets held for sale		2
Gain on sale of foreclosed assets	(9)	(8)
Earnings on bank owned life insurance	(98)	(96)
Stock based compensation expense	6	33
Net change in:
Accrued interest receivable and other assets	525	(609)
Accrued interest payable and other liabilities	552	860
Net cash used by operating activities	(1,350)	(89)
Cash flows from investing activities
Net increase in interest-bearing deposits in other financial institutions		(1,984)
Available-for-sale securities:
Sales	2,144	6,390
Maturities, prepayments and calls	8,730	7,331
Purchases	(7,000)	(4,550)
Loan originations and payments, net	27,105	30,027
Additions to premises and equipment	(22)	(53)
Proceeds from the sale of assets held for sale		533
Proceeds from the sale of foreclosed assets	98	1,000
Proceeds from mortgage insurance on foreclosed assets	29
Net cash from investing activities	31,084	38,694
Cash flows from financing activities
Net change in deposits	(37,533)	(700)
Repayments on long-term FHLB advances and other debt	(5,742)	(8,200)
Net change in advances by borrowers for taxes and insurance	(34)	(164)
Redemption of TARP obligations	(3,000)
Net proceeds from issuance of common stock	20,286
Net cash used by financing activities	(26,023)	(9,064)
Net change in cash and cash equivalents	3,711	29,541
Beginning cash and cash equivalents	61,436	34,275
Ending cash and cash equivalents	65,147	63,816
Supplemental cash flow information:
Interest paid	1,906	2,523
Income taxes paid	0	0
Supplemental noncash disclosures:
Transfers from loans to repossessed assets	282
Loans transferred from held for sale to portfolio	$ 109