Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,640	$ 1,551
Adjustments to reconcile net income to net cash from operating activities
Accretion of net premium on investments	309	0
Loss on sale of available for sale securities	0	34
Other-than-temporary impairment losses on securities	164	96
Provision for loan losses	4,525	4,600
Depreciation and amortization	394	374
Compensation expense related to stock options and restricted stock	167	132
Fair value adjustment on mortgage servicing rights	(53)	422
Additions to mortgage servicing rights	(880)	(539)
Amortization of mortgage servicing rights	1,064	880
Increase in cash surrender value of bank-owned life insurance	(239)	(253)
Deferred income tax	162	215
Gain on sale of loans	(2,063)	(501)
Proceeds from sale of loans	95,055	53,684
Originations of loans held for sale	(92,910)	(54,088)
Loss on sale of other real estate owned and repossessed assets	314	964
Loss on sale of fixed assets	0	80
Change in operating assets and liabilities
Accrued interest receivable	(46)	46
Other assets	530	1,443
Accrued interest payable	(1)	(37)
Other liabilities	1,077	(1,871)
Net cash from operating activities	10,209	7,232
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from principal payments, maturities and sales of available for sale securities	3,848	1,528
Purchase of available for sale investments	(23,982)	0
Net increase in loans	(33,977)	(9,072)
Improvements to OREO and other repossessed assets	(418)	(221)
Proceeds from sale of OREO and other repossessed assets	3,019	2,702
Proceeds from sale of premises and equipment	0	643
Purchases of premises and equipment, net	(265)	(187)
Net cash used by investing activities	(51,775)	(4,607)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	12,086	21,503
Proceeds from borrowings	15,000	61,700
Repayment of borrowings	(1,642)	(78,043)
Net change in advances from borrowers for taxes and insurance	40	39
ESOP Shares released	254	115
Shares acquired by ESOP	(1,134)	0
Proceeds from stock offering, net of offering costs	12,658	0
Net cash from financing activities	37,262	5,314
(DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(4,304)	7,939
CASH AND CASH EQUIVALENTS, beginning of year	17,031	9,092
CASH AND CASH EQUIVALENTS, end of year	12,727	17,031
SUPPLEMENTAL CASH FLOW INFORMATION
Cash paid for income taxes	950	780
Interest paid on deposits and borrowings	2,361	2,819
Noncash net transfer from loans to other real estate owned and repossessed assets	$ 2,597	$ 3,641