Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Cash flows from operating activities:
Net income (loss) for the year	$ 4,163	$ 214	$ (14,559)
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	19	68	13
Amortization/capitalization of mortgage servicing rights - net	18	578	592
Depreciation and amortization	1,376	1,249	1,304
Stock based compensation expense	465	331	167
Deferred federal income taxes	(58)	537	817
Provision for losses on loans	144	2,279	18,460
Amortization of deferred loan origination fees	(206)	(281)	52
Loss and provision on real estate acquired through foreclosure	1,357	2,226	1,689
(Gain) loss on sale of premises and equipment, net	2	(15)	(1)
Gain on sale of investments	(126)	(1,267)	0
Net increase in cash surrender value of life insurance	(692)	(704)	(710)
Gain on sale of loans	(2,484)	(506)	(1,882)
Loans originated for sale in the secondary market	(107,652)	(73,631)	(90,430)
Proceeds from sale of mortgage loans in the secondary market	111,682	68,255	90,579
Increase (decrease) in cash, due to changes in:
Accrued interest receivable	314	576	458
Prepaid expenses and other assets	1,460	(501)	4,041
Accounts payable and other liabilities	684	(401)	(928)
Net cash provided by (used in) operating activities	10,466	(993)	9,662
Cash flows provided by (used in) investing activities:
Proceeds from sale of investment securities designated as available for sale	4,340	27,205	0
Redemption of FHLB Stock	0	20,000	0
Purchase of securities designated as available for sale	(99,154)	(27,387)	0
Purchase of securities designated as held to maturity	0	0	(2,159)
Principal repayments and maturities of investment-securities held to maturity	2,176	860	318
Principal repayments and maturities of investment securities available for sale	27,585	12,729	25,146
Net (increase) decrease in loans	79,532	15,474	(33,321)
Purchase of premises and equipment	(859)	(1,032)	(374)
Proceeds from sale of office premises and equipment	21	1,081	13
Proceeds from sale of real estate acquired through foreclosure	4,082	8,173	3,866
Proceed from surrender of life insurance	0	199	160
Net cash provided by (used in) investing activities	17,723	57,302	(6,351)
Net cash provided by operating and investing activities (balance carried forward)	28,189	56,309	3,311
Net cash provided by operating and investing activities (balance brought forward)	28,189	56,309	3,311
Cash flows provided by financing activities:
Net decrease in deposits	(2,035)	(22,557)	(8,086)
Proceeds from Federal Home Loan Bank advances	22,000	95,000	84,000
Repayment of Federal Home Loan Bank advances	(32,307)	(124,330)	(88,357)
Net change in repurchase agreements and other borrowings	(5,758)	5,151	(411)
Net proceeds from common stock offering	9,381	0	0
Net increase (decrease) in advances by borrowers for taxes and insurance	535	(313)	504
Net cash used in financing activities	(8,184)	(47,049)	(12,350)
Net increase (decrease) in cash and cash equivalents	20,005	9,260	(9,039)
Cash and cash equivalents at beginning of year	38,374	29,114	38,153
Cash and cash equivalents at end of year	58,379	38,374	29,114
Cash paid during the year for:
Interest on deposits and borrowings	7,578	10,327	14,457
Cash paid for income taxes	25	475	0
Recognition of mortgage-servicing rights	1,106	681	1,048
Transfers from loans to real estate acquired through foreclosure	$ 5,132	$ 11,191	$ 5,991