Consolidated Statements of Operations (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Interest and dividend income
Loans	$ 30,674	$ 34,956	$ 37,602
Investment securities	484	578	1,906
Other interest-bearing accounts	465	703	1,313
Total interest income	31,623	36,237	40,821
Interest expense
Deposits	5,319	7,481	10,575
Borrowings	2,413	2,893	3,859
Total interest expense	7,732	10,374	14,434
Net interest income	23,891	25,863	26,387
Provision for losses on loans	144	2,279	18,460
Net interest income after provision for losses on loans	23,747	23,584	7,927
Other income
Gain on sale of loans	2,484	506	1,882
Service charges and other fees on deposits	2,041	2,110	2,276
Other	1,356	933	702
Loan servicing fees	1,133	1,195	1,269
Income on cash surrender value life insurance	879	880	877
Gain on sale of investment securities	126	1,267	0
Gain (loss) on sale of premises and equipment	(2)	15	1
Title fees	0	170	950
Mortgage servicing rights - net	(18)	(578)	(593)
Total other income	7,999	6,498	7,364
General, administrative and other expense
Employee compensation and benefits	12,600	12,337	12,935
Occupancy and equipment	2,964	2,940	3,003
Federal deposit insurance premiums and insurance	1,816	1,986	2,260
Data and transaction processing	1,975	1,867	1,867
Advertising	373	363	358
Franchise taxes	765	668	928
Postage, supplies and office expenses	1,046	984	1,129
Travel, training and insurance	314	253	260
Professional services	1,351	1,454	1,281
Real estate owned and other expenses	3,264	4,896	3,077
Loan expenses	1,173	1,576	2,234
Total general, administrative and other expense	27,641	29,324	29,332
Earnings (Loss) before federal income taxes	4,105	758	(14,041)
Federal income taxes (benefit)	(58)	544	518
NET EARNINGS (LOSS)	$ 4,163	$ 214	$ (14,559)
EARNINGS (LOSS) PER SHARE
Basic	$ 0.50	$ 0.03	$ (2.02)
Diluted	$ 0.50	$ 0.03	$ (2.02)