Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,360	$ 2,455
Adjustments to reconcile net income to net cash from operating activities:
Accretion of net discounts on investments	17	79
Loss on sale of securities	0	31
Dividends paid on FHLB stock	32	0
Provision for loan losses	250	300
Depreciation and amortization	394	295
Compensation expense related to stock options and restricted stock	228	207
Changes in fair value of mortgage servicing rights	482	193
Additions to mortgage servicing rights	(259)	(436)
Increase in cash surrender value of BOLI	(168)	(168)
Gain on sale of loans	(551)	(786)
Proceeds from sale of loans	36,080	44,610
Originations of loans held-for-sale	(34,125)	(46,075)
Net loss on sale and write-downs of OREO and repossessed assets	8	22
Change in operating assets and liabilities:
Accrued interest receivable	16	3
Other assets	(282)	(710)
Accrued interest payable	18	3
Other liabilities	(267)	608
Net cash from operating activities	4,233	631
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from principal payments, maturities and sales of available for sale securities	737	3,516
Purchases of available for sale securities	(1,363)	0
FHLB stock redeemed	107	579
Net increase in loans	(5,378)	(4,833)
Proceeds from sale of OREO and other repossessed assets	132	400
Purchases of premises and equipment, net	(147)	(479)
Net cash used by investing activities	(5,912)	(817)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	3,843	10,820
Proceeds from borrowings	56,500	36,000
Repayment of borrowings	(61,322)	(40,322)
Dividends paid on common stock	(372)	(277)
Net change in advances from borrowers for taxes and insurance	(64)	7
Proceeds from stock option exercises	17	17
Repurchase of common stock	0	(1,261)
Net cash (used by) from financing activities	(1,398)	4,984
Net change in cash and cash equivalents	(3,077)	4,798
Cash and cash equivalents, beginning of period	48,264	29,289
Cash and cash equivalents, end of period	45,187	34,087
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for income taxes	1,000	625
Interest paid on deposits and borrowings	1,408	1,366
Noncash net transfer from loans to OREO and repossessed assets	$ 712	$ 481