Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
ASSETS
Cash and cash equivalents	$ 13,007	$ 25,895
Interest-bearing deposits in other financial institutions	100
Securities available for sale	9,329	9,368
Loans held for sale, at fair value	2,736	889
Loans, net of allowance of $6,613 and $6,620	324,364	297,064
FHLB stock	1,942	1,942
Foreclosed assets, net		1,636
Premises and equipment, net	3,530	3,609
Bank owned life insurance	4,863	4,797
Accrued interest receivable and other assets	4,882	6,093
Total assets	364,753	351,293
Deposits
Noninterest bearing	37,182	42,926
Interest bearing	258,846	247,541
Total deposits	296,028	290,467
FHLB advances	22,500	14,500
Advances by borrowers for taxes and insurance	198	656
Accrued interest payable and other liabilities	2,078	2,203
Subordinated debentures	5,155	5,155
Total liabilities	325,959	312,981
Commitments and contingent liabilities
Stockholders' equity
Common stock, $.01 par value; shares authorized: 50,000,000; shares issued: 16,135,917 in 2016 and 16,135,917 in 2015	161	161
Series B Preferred stock, $0.01 par value; 480,000 shares authorized; 480,000 issued at June 30, 2016 and December 31, 2015	5	5
Additional paid-in capital	60,050	59,937
Accumulated deficit	(18,228)	(18,537)
Accumulated other comprehensive income	80	(9)
Treasury stock, at cost; 132,207 and 111,707 shares of common stock	(3,274)	(3,245)
Total stockholders' equity	38,794	38,312
Total liabilities and stockholder's equity	$ 364,753	$ 351,293