Consolidated Balance Sheets (Unaudited) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks	$ 23,265	$ 2,978
Federal funds sold	3,805	6,950
Total cash and cash equivalents	27,070	9,928
Securities available for sale (amortized cost of $19,583 at September 30, 2012 and $24,774 at December 31, 2011)	19,743	25,097
Fixed annuity investment	1,211	1,176
Loans held for sale	8,572	4,884
Loans, net of allowance for losses of $2,290 at September 30, 2012 and $1,754 at December 31, 2011	221,954	212,688
Accrued interest receivable	742	961
Other real estate owned ("OREO")	1,477	1,824
Premises and equipment, net	4,274	4,346
Federal Home Loan Bank ("FHLB") stock and other restricted stock, at cost	1,539	2,020
Bank-owned life insurance ("BOLI")	7,373	6,193
Deferred tax assets	816	509
Other assets	1,864	3,333
Total assets	296,635	272,959
Deposits:
Noninterest-bearing	25,148	8,898
Interest-bearing	211,680	203,036
Total deposits	236,828	211,934
Borrowings	24,290	25,978
Accrued interest payable	40	29
Other liabilities	2,552	1,891
Total liabilities	263,710	239,832
Commitments and contingencies
Stockholders' equity:
Preferred stock, $0.01 par value, 50,000,000 shares authorized; none issued or outstanding
Common stock, $0.01 par value; 100,000,000 shares authorized;1,658,850 and 1,725,000 shares issued and outstanding at September 30, 2012 and December 31, 2011, respectively	17	17
Additional paid-in capital	14,629	15,278
Unallocated Employee Stock Ownership Plan ("ESOP") shares	(1,333)	(1,018)
Retained earnings - substantially restricted	19,507	18,636
Accumulated other comprehensive income	105	214
Total stockholders' equity	32,925	33,127
Total liabilities and stockholders' equity	$ 296,635	$ 272,959