Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,455	$ 2,203
Adjustments to reconcile net income to net cash from operating activities
Accretion of net discounts on investments	79	232
Loss on sale of securities	31	0
Provision for loan losses	300	400
Depreciation and amortization	295	246
Compensation expense related to stock options and restricted stock	207	244
Fair value adjustment on mortgage servicing rights	(169)	(284)
Additions to mortgage servicing rights	(436)	(185)
Amortization of mortgage servicing rights	362	460
Increase in cash surrender value of BOLI	(168)	(167)
Gain on sale of loans	(786)	(187)
Proceeds from sale of loans	44,610	18,992
Originations of loans held for sale	(46,075)	(20,596)
Net Loss on sale and write-downs of OREO and repossessed assets	22	52
Change in operating assets and liabilities
Accrued interest receivable	3	(25)
Other assets	(710)	(383)
Accrued interest payable	3	(11)
Other liabilities	608	2,394
Net cash from (used by) operating activities	631	3,385
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from principal payments, maturities and sales of available for sale securities	3,516	1,701
FHLB stock redeemed	579	44
Net increase in loans	(4,833)	(13,709)
Improvements to OREO and other repossessed assets	0	(12)
Proceeds from sale of OREO and other repossessed assets	400	1,130
Purchases of premises and equipment, net	(479)	(114)
Net cash used by investing activities	(817)	(10,960)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	10,820	25,573
Proceeds from borrowings	36,000	88,500
Repayment of borrowings	(40,322)	(91,822)
Dividends paid on common stock	(277)	(252)
Net change in advances from borrowers for taxes and insurance	7	12
Proceeds from stock option exercises	17	0
Repurchase of common stock	(1,261)	(904)
Net cash from financing activities	4,984	21,107
Net decrease in cash and cash equivalents	4,798	13,532
Cash and cash equivalents, beginning of period	29,289	15,334
Cash and cash equivalents, end of period	34,087	28,866
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for income taxes	625	375
Interest paid on deposits and borrowings	1,366	1,217
Noncash net transfer from loans to OREO and repossessed assets	$ 481	$ 311