Condensed Consolidated Balance Sheets (Unaudited) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Assets
Cash and due from banks	$ 6,661	$ 5,451
Interest-bearing deposits with banks	4,918	8,430
Total cash and cash equivalents	11,579	13,881
Securities available for sale	31,340	22,990
Loans, net of allowance for loan losses of $2,215 and $2,211	77,439	79,249
Federal Home Loan Bank stock	1,139	1,196
Premises and equipment, net	2,878	2,879
Foreclosed real estate, net	7,394	7,553
Accrued interest receivable	494	496
Other assets	516	539
Total assets	132,779	128,783
Liabilities:
Noninterest-bearing demand deposits	5,037	3,775
Savings, NOW and money-market deposits	30,386	30,801
Time deposits	66,397	64,116
Total deposits	101,820	98,692
Federal Home Loan Bank advances	22,740	22,740
Junior subordinated debenture	5,155	5,155
Advanced payment by borrowers for taxes and insurance	624	315
Official checks	236	344
Other liabilities	1,755	1,753
Total liabilities	132,330	128,999
Stockholders' equity (deficit):
Preferred stock, no par value; 6,000,000 shares authorized, no shares issued or outstanding	0	0
Common stock, $.01 par value; 50,000,000 shares authorized 8,185,938 and 8,011,077 shares issued and outstanding in 2014 and 2013	82	80
Additional paid-in capital	31,671	31,463
Accumulated deficit	(31,433)	(31,763)
Accumulated other comprehensive income	129	4
Total stockholders' equity (deficit)	449	(216)
Total liabilities and stockholders' equity (deficit)	$ 132,779	$ 128,783