Consolidated Statements of Operations (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Interest and dividend income
Loans	$ 34,956	$ 37,602	$ 40,231
Investment securities	578	1,906	3,085
Other interest-bearing accounts	703	1,313	1,408
Total interest income	36,237	40,821	44,724
Interest expense
Deposits	7,481	10,575	15,349
Borrowings	2,893	3,859	5,245
Total interest expense	10,374	14,434	20,594
Net interest income	25,863	26,387	24,130
Provision for losses on loans	2,279	18,460	21,792
Net interest income after provision for losses on loans	23,584	7,927	2,338
Other income
Rent and other	933	702	970
Title fees	170	950	723
Loan servicing fees	1,195	1,269	1,264
Gain on sale of loans	506	1,882	1,271
Mortgage servicing rights - net	(578)	(593)	703
Service charges and other fees on deposits	2,110	2,276	2,277
Gain on sale of investment securities	1,267
Gain on sale of premises and equipment	15	1	127
Income on cash surrender value life insurance	880	877	926
Total other income	6,498	7,364	8,261
General, administrative and other expense
Employee compensation and benefits	12,337	12,935	12,453
Occupancy and equipment	2,940	3,003	3,247
Federal deposit insurance premiums and insurance	1,986	2,260	2,471
Data processing	1,111	1,127	1,190
Advertising	363	358	525
Franchise taxes	668	928	1,018
Postage, supplies and office expenses	984	1,129	1,394
Travel, training and insurance	253	260	315
Professional services	1,454	1,281	1,692
Transaction processing	756	740	895
Real estate owned and other expenses	4,896	3,077	2,316
Loan expenses	1,576	2,234	597
Total general, administrative and other expense	29,324	29,332	28,113
Earnings (Loss) before federal income taxes	758	(14,041)	(17,514)
Federal income taxes (benefit)	544	518	(6,297)
NET EARNINGS (LOSS)	$ 214	$ (14,559)	$ (11,217)
EARNINGS (LOSS) PER SHARE
Basic	$ 0.03	$ (2.02)	$ (1.56)
Diluted	$ 0.03	$ (2.02)	$ (1.56)