CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Interest income
Interest and fees on loans	$ 4,079	$ 4,246
Interest and dividends on investments and deposits	618	662
Total interest income	4,697	4,908
Interest expense
Interest on deposits	570	604
Interest on borrowed funds	195	154
Total interest expense	765	758
Net interest income	3,932	4,150
Provision for loan losses	0	0
Net interest income after provision for loan losses	3,932	4,150
Noninterest income
Service charge income	152	173
Fees for other services	63	72
Mortgage banking income	218	148
Income from bank owned life insurance	66	66
Net gain on sale of investments	416	158
Income from investment advisory services, net	43	94
Other income	31	32
Total noninterest income	989	743
Noninterest expense
Compensation, taxes and benefits	2,481	3,016
Occupancy	540	543
Professional fees	410	519
FDIC insurance premiums	163	261
Insurance	175	145
Computer processing	347	369
Expenses on foreclosed real estate, net	19	210
Writedowns on foreclosed real estate	0	27
Directors' compensation	94	102
Advertising	116	96
Supplies	66	69
Other expenses	247	345
Total noninterest expense	4,658	5,702
Income (loss) before provision (benefit) for income taxes	263	(809)
Provision (benefit) for income taxes	0	0
Net income (loss)	$ 263	$ (809)
Earnings (loss) per common share - basic and diluted (in dollars per share)	$ 0.04	$ (0.12)