Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
OPERATING ACTIVITIES:
Net Income	$ 490	$ 472
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	1,050	903
Depreciation and amortization	396	380
Net discount accretion on investment securities available-for-sale	(303)	(83)
Net premium amortization on investment securities held-to-maturity	33	40
Net gain on sale of:
Loans held for sale	(167)	(32)
Investment securities	(418)	(519)
Other real estate owned	47	5
Properties and equipment	(8)	0
Write downs on other real estate owned	485	21
Write downs on transfer of future branch sites to other real estate owned	0	396
Write down on construction in process	0	106
Deferred income tax expense	2	515
Proceeds from sale of loans held for sale	9,445	1,231
Origination of loans held for sale	(9,285)	(899)
Increase in cash surrender value of bank-owned life insurance	(540)	(206)
Decrease in other assets	84	(4,477)
Increase in other liabilities	(3,532)	(125)
Net cash flows provided by operating activities	(2,221)	(2,272)
Proceeds from sale of:
Investment securities, available-for-sale	13,458	6,405
Other real estate owned	674	402
Properties and equipment	26	0
Proceeds from maturities and paydowns of:
Investment securities, available-for-sale	11,053	21,086
Investment securities, held-to-maturity	427	397
Purchases of:
Investment securities, available-for-sale	(29,394)	(68,070)
Properties and equipment	(300)	(43)
Redemption of Federal Home Loan Bank stock	0	10,000
Net change in loans receivable	1,909	6,537
Proceeds from bank-owned life insurance	542	0
Net cash flows provided by (used in) investing activities	(1,605)	(23,286)
Net increase (decrease) in:
Deposit accounts	27,000	34,606
Advance payments by borrowers for taxes and insurance	275	167
Short-term borrowed funds	(2,211)	2,158
Repayments of Federal Home Loan Bank advances	(54)	(15,050)
Dividends paid on common stock	(109)	(109)
Net cash flows provided by financing activities	24,901	21,772
Increase (decrease) in cash and cash equivalents	21,075	(3,786)
Cash and cash equivalents at beginning of period	92,072	61,754
Cash and cash equivalents at end of period	113,147	57,968
Supplemental disclosures:
Loans and land transferred to other real estate owned	1,544	1,672
Cash paid for interest on deposits	1,395	1,890
Cash paid for interest on borrowed funds	297	289
Cash paid for income taxes	$ 0	$ 0