Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Cash flows from operating activities:
Net income (loss) for the year	$ 214	$ (14,559)	$ (11,217)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Amortization of premiums and discounts on investment and mortgage-backed securities - net	68	13	(20)
Amortization/ capitalization of mortgage servicing rights - net	578	592	360
Depreciation and amortization	1,249	1,304	1,413
Stock option, restricted stock expenses	331	167	153
Deferred federal income taxes	537	817	(2,373)
Provision for losses on loans	2,279	18,460	21,792
Amortization of deferred loan origination fees	(281)	52	468
Loss and provision on real estate acquired through foreclosure	2,226	1,689	1,069
Gain on sale of premises and equipment, net	(15)	(1)	(127)
Gain on sale of investments	(1,267)
Net increase in cash surrender value of life insurance	(704)	(710)	(766)
Gain on sale of loans	(506)	(1,882)	(1,271)
Loans originated for sale in the secondary market	(73,631)	(90,430)	(106,771)
Proceeds from sale of mortgage loans in the secondary market	68,255	90,579	109,752
Increase (decrease) in cash, due to changes in:
Accrued interest receivable	576	458	139
Prepaid expenses and other assets	(501)	4,041	3,315
Accounts payable and other liabilities	(401)	(928)	(5,731)
Net cash provided by (used in) operating activities	(993)	9,662	10,185
Cash flows provided by (used in) investing activities:
Proceeds from sale of investment securities designated as available for sale	27,205
Redemption of FHLB Stock	20,000
Purchase of securities designated as available for sale	(27,387)		(27,019)
Purchase of securities designated as held to maturity		(2,159)
Principal repayments and maturities of investment-securities held to maturity	860	318	11,333
Principal repayments and maturities of investment securities available for sale	12,729	25,146	56,432
Net (increase) decrease in loans	15,474	(33,321)	66,086
Purchase of premises and equipment	(1,032)	(374)	(476)
Proceeds from sale of office premises and equipment	1,081	13	189
Proceeds from sale of real estate acquired through foreclosure	8,173	3,866	4,025
Proceeds from surrender of life insurance	199	160	4,460
Net cash provided by (used in) investing activities	57,302	(6,351)	115,030
Cash flows provided by financing activities:
Net decrease in deposits	(22,557)	(8,086)	(64,054)
Proceeds from Federal Home Loan Bank advances	95,000	84,000	44,000
Repayment of Federal Home Loan Bank advances	(124,330)	(88,357)	(113,815)
Net change in repurchase agreements and other borrowings	5,151	(411)	(4,786)
Dividends paid on common stock			(143)
Net increase (decrease) in advances by borrowers for taxes and insurance	(313)	504	(549)
Net cash used in financing activities	(47,049)	(12,350)	(139,347)
Net increase (decrease) in cash and cash equivalents	9,260	(9,039)	(14,132)
Cash and cash equivalents at beginning of year	29,114	38,153	52,285
Cash and cash equivalents at end of year	38,374	29,114	38,153
Cash paid during the year for:
Interest on deposits and borrowings	10,327	14,457	20,726
Cash paid for income taxes	475		144
Recognition of mortgage-servicing rights	681	1,048	1,171
Transfers from loans to real estate acquired through foreclosure	$ 11,191	$ 5,991	$ 9,631