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Consolidated Statements of Operations (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
 3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Interest and dividend income        
Loans $ 7,699 $ 8,839 $ 15,912 $ 17,740
Investment securities 132 84 219 439
Other interest-earning accounts 105 157 218 503
Total interest and dividend income 7,936 9,080 16,349 18,682
Interest Expense        
Deposits 1,405 1,918 2,956 4,107
Borrowings 618 726 1,291 1,529
Total interest expense 2,023 2,644 4,247 5,636
Net interest income 5,913 6,436 12,102 13,046
Provision for losses on loans 137 1,797 1,142 2,810
Net interest income after provision for losses on loans 5,776 4,639 10,960 10,236
Other income        
Late charges, rent and other 223 203 551 565
Loan servicing fees 285 298 566 605
Service charges and other fees on deposits 508 529 998 1,032
Gain (loss) on sale of loans 517 (92) 1,081 0
Mortgage servicing rights - net (63) (132) 39 139
Gain (loss) on sale of investments & fixed assets 1 2 (2) 1,280
Income on cash surrender value of life insurance 208 220 426 437
Total other income 1,679 1,028 3,659 4,058
General, administrative and other expenses        
Employee compensation and benefits 3,249 3,153 6,396 6,531
Occupancy and equipment 756 691 1,467 1,452
Federal deposit insurance premiums and other insurance 469 494 923 1,097
Data processing 285 277 571 561
Advertising 108 96 195 182
Franchise taxes 201 178 384 348
Postage, supplies and office expenses 251 253 507 471
Travel, training and insurance 71 56 121 121
Professional services 351 320 889 702
Transaction processing 207 200 399 367
Real estate owned and other expenses 589 825 1,236 1,655
Loan expenses 498 598 661 1,081
Total general, administrative and other expense 7,035 7,141 13,749 14,568
Earnings (loss) before federal income taxes 420 (1,474) 870 (274)
Federal income taxes (benefit) (62) (11) (25) 537
NET EARNINGS (LOSS) $ 482 $ (1,463) $ 895 $ (811)
EARNINGS (LOSS) PER SHARE        
Basic $ 0.06 $ (0.20) $ 0.12 $ (0.11)
Diluted $ 0.06 $ (0.20) $ 0.12 $ (0.11)