Consolidated Balance Sheets (Unaudited) (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 14,695	$ 2,384
Federal funds sold	12,180	9,430
Total cash and cash equivalents	26,875	11,814
Securities available for sale (amortized cost of $22,450 at June 30, 2011 and $22,214 at December 31, 2010)	22,384	22,076
Fixed annuity investment	1,153	1,131
Loans held for sale	3,969	3,589
Loans, net of allowance for losses of $1,859 at June 30, 2011 and $2,136 at December 31, 2010	194,346	191,065
Accrued interest receivable	879	833
Other real estate owned ("OREO")	1,783	0
Premises and equipment, net	4,510	4,637
Federal Home Loan Bank ("FHLB") stock and other restricted stock, at cost	1,005	1,003
Bank-owned life insurance ("BOLI")	6,076	0
Deferred tax assets	1,103	1,131
Other assets	1,921	1,538
Total assets	266,004	238,817
Deposits:
Noninterest-bearing	9,694	5,738
Interest-bearing	205,319	182,506
Total deposits	215,013	188,244
Borrowings	15,983	15,987
Accrued interest payable	51	39
Other liabilities	2,465	2,443
Total liabilities	233,512	206,713
Commitments and contingencies
Stockholders' equity:
Preferred stock, $0.01 par value, 50,000,000 shares authorized; none issued or outstanding	0	0
Common stock, par value $0.01 par value; 100,000,000 shares authorized; 1,725,000 shares issued and outstanding	17	17
Additional paid-In capital	15,278	15,290
Unallocated Employee Stock Ownership Plan ("ESOP") shares	(898)	(817)
Retained earnings - substantially restricted	18,136	17,701
Accumulated other comprehensive loss	(41)	(87)
Total stockholders' equity	32,492	32,104
Total liabilities and stockholders' equity	$ 266,004	$ 238,817