Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
OPERATING ACTIVITIES:
Net income	$ 729	$ 755
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses		22
Provision for real estate losses	726	1,388
Deferred tax provision (benefit)	(14)	1,991
Deferred tax valuation allowance	25	(1,991)
Net (accretion) amortization of investment securities	(6)	33
Federal Home Loan Bank stock dividends	(1)	(3)
Gain on sale of fixed assets, net	(58)	(106)
Gain on sale of real estate owned, net	(754)	(1,223)
Gain on sales of investment securities, net	(25)	(542)
Originations of loans held for sale	(54,068)	(46,853)
Proceeds from sales of loans held for sale	55,401	46,680
Gain on sale of loans originated to sell	(1,103)	(923)
Depreciation	1,358	1,445
Amortization of deferred loan costs, net	108	86
Earnings on life insurance policies	(808)	(790)
Stock compensation expense	243	147
Changes in operating assets and liabilities:
Accrued interest receivable	28	15
Prepaid expenses and other assets	(539)	469
Other liabilities	(585)	(544)
Net cash provided by operating activities	657	56
INVESTING ACTIVITIES:
Purchases of interest bearing time deposits in banks		(4,470)
Redemptions of interest bearing time deposits in banks	5,474	1,991
Purchases of investment securities available for sale (“AFS”)	(37,627)	(24,776)
Proceeds from sales of investment securities AFS	12,169	5,387
Proceeds from maturities/calls/paydowns of investment securities AFS	6,856	26,881
Federal Home Loan Bank stock purchased	(197)
Federal Home Loan Bank stock redeemed	116	204
Loan originations, net of repayments	(47,277)	(4,461)
Loan participations purchased	(13,104)	(6,650)
Loans sold	24,930
Proceeds from sales of real estate owned	9,491	16,675
Other cash activity – real estate owned	90	(257)
Proceeds from sales of office properties and equipment	2,315	272
Purchases of office properties and equipment	(1,750)	(804)
Net cash (used in) provided by investing activities	(38,514)	9,992
FINANCING ACTIVITIES:
Net increase (decrease) in deposits	36,366	(43,530)
Sale of deposits in connection with branch sales	(21,692)
Proceeds from advances from Federal Home Loan Bank	5,000
Repayment of advances from Federal Home Loan Bank	(2,168)	(3,570)
Net decrease in advance payments by borrowers for taxes and insurance	(71)	(140)
Proceeds from exercise of warrants	1,785
Net cash provided by (used in) financing activities	19,220	(47,240)
NET DECREASE IN CASH AND CASH EQUIVALENTS	(18,637)	(37,192)
CASH AND CASH EQUIVALENTS:
Beginning of year	42,607	79,799
End of year	23,970	42,607
Cash paid for:
Interest	3,382	4,453
Income taxes	11
SUPPLEMENTAL SCHEDULE OF NONCASH INVESTING AND FINANCING ACTIVITIES:
Real estate and other assets acquired in settlement of loans	2,537	6,792
Loans to facilitate sales of real estate owned	1,015	1,664
Investment securities purchased—not settled	$ 100