CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Cash flows from operating activities:
Net income	$ 358	$ 288
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for loan losses	163	95
Amortization of securities, net	50	2
Net change in loan fees and costs	40	(88)
Depreciation and amortization expense	136	138
(Increase) decrease in accrued interest receivable	(47)	1
Income from bank-owned life insurance	(49)	(49)
Stock-based compensation expense	137	84
Gain on sales of loans	(688)	(375)
Loans originated for sale	(25,319)	(18,288)
Proceeds from sales of loans	27,767	17,997
Gain on sale of other real estate owned	(22)
Write down of other real estate owned	5
Decrease in prepaid FDIC insurance	215	72
Net change in other assets and liabilities	(401)	(634)
Net cash provided by (used in) operating activities	2,345	(757)
Activity in securities available for sale:
Maturities, prepayments and calls	1,550	1,174
Purchases	(7,624)	(4,152)
Maturities, prepayments and calls of securities held to maturity	298	379
Redemption of Federal Home Loan Bank stock	232	250
Loan originations, net	(10,484)	9,218
Principal balance of portfolio loans sold		314
Proceeds from sale of other real estate owned	444
Purchase of premises and equipment	(137)	(118)
Net cash (used in) provided by investing activities	(15,721)	7,065
Cash flows from financing activities:
Net change in deposits	(3,692)	15,509
Net change in securities sold under agreements to repurchase		(573)
Net change in Federal Home Loan Bank advances with maturities of three months or less	21,750
Proceeds of Federal Home Loan Bank advances with maturities greater than three months	2,000	8,500
Repayments of Federal Home Loan Bank advances with maturities greater than three months	(6,000)	(8,521)
Net change in mortgagors' escrow accounts	77	(24)
Repurchase of common stock	(958)	(8)
Cash dividends paid on common stock	(155)
Cashless exercise of stock options	(6)
Net cash provided by financing activities	13,016	14,883
Net change in cash and cash equivalents	(360)	21,191
Cash and cash equivalents at beginning of period	6,789	19,083
Cash and cash equivalents at end of period	6,429	40,274
Supplementary information:
Interest paid on deposit accounts	272	515
Interest paid on advances	319	463
Income taxes paid	187	219
Loans transferred to other real estate owned	244	253
Due to broker for investment purchase	$ 5,669