Condensed Consolidated Statements of Cash Flows (unaudited) (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 1,752	$ 1,131
Adjustments to reconcile net income to net cash from operating activities
Accretion of net premium on investments	69	0
Loss on sale of available for sale securities	0	33
Other-than-temporary impairment losses on securities	156	96
Provision for loan losses	3,675	3,350
Depreciation and amortization	284	286
Compensation expense related to stock options and restricted stock	125	99
Fair value adjustment on mortgage servicing rights	(97)	235
Additions to mortgage servicing rights	(554)	(329)
Amortization of mortgage servicing rights	774	611
Increase in cash surrender value of bank owned life insurance	(179)	(189)
Proceeds from sale of loans	63,865	32,912
Originations of loans held for sale	(65,373)	(32,876)
Loss on sale of other real estate owned and repossessed assets	314	722
Loss on sale of fixed assets	0	80
Gain on sale of loans	(1,226)	(263)
Change in operating assets and liabilities
Accrued interest receivable	(15)	84
Other assets	(1,398)	1,022
Accrued interest payable	(6)	(45)
Other liabilities	366	(1,683)
Net cash provided by operating activities	4,984	5,276
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from principal payments, maturities and sales of available for sale securities	1,219	1,382
Purchase of available for sale securities	(19,056)	0
Net increase in loans	(15,074)	(11,209)
Improvements to other real estate owned ("OREO") and other repossessed assets	(392)	(30)
Proceeds from sale of OREO and other repossessed assets	2,726	2,392
Purchases of premises and equipment	(136)	698
Net cash used by investing activities	(30,713)	(6,767)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	13,046	21,352
Proceeds from borrowings	0	61,700
Repayment of borrowings	(482)	(77,882)
Net change in advances from borrowers for taxes and insurance	251	268
Common stock purchase by ESOP	(1,134)	0
Proceeds from stock offering, net of offering costs	12,672	0
Net cash provided by financing activities	24,353	5,438
INCREASE IN CASH AND CASH EQUIVALENTS	(1,376)	3,947
CASH AND CASH EQUIVALENTS, beginning of period	17,031	9,092
CASH AND CASH EQUIVALENTS, end of period	15,655	13,039
SUPPLEMENTAL CASH FLOW INFORMATION
Cash paid for income taxes	750	1,185
Interest paid on deposits and borrowings	1,790	2,161
Net noncash transfer of loans to other real estate owned	$ 2,375	$ 3,730