Consolidated Statements of Operations (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Interest and dividend income
Loans	$ 7,522	$ 8,715	$ 23,434	$ 26,455
Investment securities	131	72	350	511
Other interest-earning accounts	112	99	330	602
Total interest and dividend income	7,765	8,886	24,114	27,568
Interest Expense
Deposits	1,235	1,734	4,191	5,841
Borrowings	545	686	1,836	2,215
Total interest expense	1,780	2,420	6,027	8,056
Net interest income	5,985	6,466	18,087	19,512
Provision for losses on loans	457	228	1,599	3,038
Net interest income after provision for losses on loans	5,528	6,238	16,488	16,474
Other income
Late charges, rent and other	321	336	872	901
Loan servicing fees	283	300	849	905
Service charges and other fees on deposits	515	548	1,513	1,580
Gain (loss) on sale of loans	633	85	1,714	129
Mortgage servicing rights - net	(117)	(352)	(78)	(213)
Gain (loss) on sale of fixed assets	0	11	(3)	15
Gain (loss) on sale of investments	0	(9)	1	1,267
Income on cash surrender value of life insurance	216	222	642	659
Total other income	1,851	1,141	5,510	5,088
General, administrative and other expenses
Employee compensation and benefits	2,996	3,034	9,392	9,565
Occupancy and equipment	725	767	2,192	2,219
Federal deposit insurance premiums and other insurance	457	444	1,380	1,541
Data processing	250	273	821	834
Advertising	101	95	296	277
Franchise taxes	199	166	583	514
Postage, supplies and office expenses	248	238	755	709
Travel, training and insurance	86	65	207	185
Professional services	468	391	1,357	1,093
Deposit and transaction processing	229	191	628	559
Real estate owned and other expenses	959	1,365	2,195	3,020
Loan expenses	230	182	891	1,152
Total general, administrative and other expense	6,948	7,211	20,697	21,668
Earnings (loss) before federal income taxes	431	168	1,301	(106)
Federal income taxes (benefit)	(53)	5	(78)	542
NET EARNINGS (LOSS)	$ 484	$ 163	$ 1,379	$ (648)
EARNINGS (LOSS) PER SHARE
Basic	$ 0.07	$ 0.02	$ 0.19	$ (0.09)
Diluted	$ 0.07	$ 0.02	$ 0.19	$ (0.09)