Condensed Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
Assets
Cash and due from banks	$ 1,959	$ 1,101
Interest-bearing deposits with banks	3,688	5,123
Federal funds sold	21,720	16,552
Total cash and cash equivalents	27,367	22,776
Securities available for sale	21,588	28,907
Loans, net of allowance for loan losses of $1,936 and $2,349	85,451	89,217
Federal Home Loan Bank stock	1,478	2,159
Premises and equipment, net	2,859	2,691
Foreclosed real estate, net	10,444	7,646
Accrued interest receivable	477	499
Other assets	330	577
Total assets	149,994	154,472
Liabilities and Stockholders' Equity
Noninterest-bearing demand deposits	1,309	515
Savings, NOW and money-market deposits	34,573	35,538
Time deposits	69,644	71,842
Total deposits	105,526	107,895
Federal Home Loan Bank advances	27,700	31,700
Junior subordinated debenture	5,155	5,155
Advanced payment by borrowers for taxes and insurance	1,029	567
Official checks	320	1,113
Other liabilities	1,397	1,256
Total liabilities	141,127	147,686
Stockholders' equity:
Preferred stock, no par value; 6,000,000 shares authorized, no shares issued or outstanding
Common stock, $.01 par value; 50,000,000 shares authorized, 30,900,833 and 22,411,108 shares issued and outstanding in 2012 and 2011	309	224
Additional paid-in capital	30,823	27,491
Accumulated deficit	(22,368)	(19,991)
Accumulated other comprehensive loss	103	(938)
Total stockholders' equity	8,867	6,786
Total liabilities and stockholders' equity	$ 149,994	$ 154,472