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Consolidated Cash Flows (Unaudited) (USD $)
In Thousands
6 Months Ended
Jun. 30, 2011
Jun. 30, 2010
Cash flows from operating activities:    
Net income (loss) $ 435 $ (42)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:    
Depreciation and amortization 179 199
Amortization of premiums on investments 244 76
ESOP expense 24  
Provision for loan losses 411 1,171
Gain on sale of other real estate owned   (10)
Gain on sale of securities available for sale (202) (128)
Gains on sales of mortgage loans (529) (219)
Proceeds from sale of mortgage loans 22,697 10,114
Loans originated for sale (21,089) (10,170)
Increase in cash surrender value of BOLI (76)  
(Increase) decrease in accrued interest receivable (46) 20
Increase in other assets (381) (707)
Increase in fixed annuity investment (22) (21)
Increase (decrease) in accrued interest payable and other liabilities 34 (411)
Net cash provided by (used in) operating activities 1,679 (128)
Cash flows from investing activities:    
Purchase of securities available for sale (20,147) (8,196)
Maturities, calls and principal paydowns on securities available for sale 3,842 3,774
Proceeds from sale of securities available for sale 16,027 2,783
(Redemptions) purchases of FHLB stock (2) 654
(Originations) loan repayments, net (6,934) 4,778
Proceeds from sale of other real estate owned   10
Purchases of premises and equipment (52) (118)
Purchase of BOLI (6,000)  
Net cash (used in) provided by investing activities (13,266) 3,685
Cash flows from financing activities:    
Net increase in deposit accounts 26,769 13,898
Repayment of FHLB advances, net (4) (4)
ESOP shares purchased (102)  
Additional stock issuance costs (15)  
Net cash provided by financing activities 26,648 13,894
Net increase in cash and cash equivalents 15,061 17,451
Cash and cash equivalents at beginning of period 11,814 11,717
Cash and cash equivalents at end of period 26,875 29,168
Cash transactions:    
Income taxes paid 377 129
Interest expense paid 917 1,112
Noncash transactions:    
Transfers of loans to other real estate owned 1,783 30
Transfers of loans held for portfolio to loans held for sale $ 1,459