CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
OPERATING ACTIVITIES:
Net income (loss)	$ (64)	$ 106
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Provision for loan losses	2,732	1,940
Depreciation	521	556
Amortization and accretion, net	605	751
Provision for deferred income tax benefit	(923)	(839)
Gains on sale of assets and investments, net	(242)	(541)
Net loss on sale of other real estate owned	122
Stock based compensation expense		27
Restricted stock based compensation plan		13
Decrease in carrying value of other real estate owned	970	1,766
Change in other assets	145	(1,346)
Change in accrued expenses and other liabilities	947	777
Net cash provided by operating activities	4,813	3,210
INVESTING ACTIVITIES:
Net change in certificates of deposit	50
Proceeds from calls and maturities of investment securities held to maturity	9	928
Proceeds from sales and maturities of investment securities available for sale	27,201	39,532
Purchases of investment securities available for sale	(19,092)	(48,159)
Net change in loans receivable	(8,824)	1,382
Proceeds from the sale of premises and equipment	10
Proceeds from the sale of other real estate owned	2,186	1,956
Purchases of premises and equipment, net	(310)	(378)
Net cash provided by (used in) investing activities	1,230	(4,739)
FINANCING ACTIVITIES:
Net change in deposits	(5,095)	16,824
Net change in advances from Federal Home Loan Bank	(13)	(14,163)
Proceeds from issuance of preferred stock		4,379
Proceeds from issuance of common stock	16	3
Purchase of treasury stock	(5)
Dividends paid - preferred	(177)	(279)
Dividends paid - common	(169)	(167)
Net cash provided by (used in) financing activities	(5,443)	6,597
Net change in cash and cash equivalents	600	5,068
Cash and cash equivalents, beginning of period	23,797	27,070
Cash and cash equivalents at end of period	24,397	32,138
Supplemental disclosures of cash paid during the period for:
Interest	1,299	2,025
Income taxes	8	60
Supplemental disclosures of noncash transactions:
Real estate acquired through foreclosure	5,421	3,019
Change in unrealized gain on investment securities available for sale, net of taxes	2,241	1,478
Exchange of Preferred Stock, Series A for Preferred Stock Series B with the U. S. Treasury		$ 7,462