CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Interest Income
Loans, including fees	$ 7,546	$ 7,642
Securities, taxable	233	194
Other	81	86
Total interest income	7,860	7,922
Interest Expense
Deposits	1,004	986
Long-term/short-term borrowings and subordinated debentures	1,197	1,129
Total interest expense	2,201	2,115
Net interest income	5,659	5,807
Provision for loan losses	100	200
Net interest income after provision for loan losses	5,559	5,607
Non-interest Income
Mortgage banking activities	470	201
Real estate commissions	107	260
Real estate management fees	158	254
Other	165	261
Total non-interest income	900	976
Non-Interest Expenses
Compensation and related expenses	3,810	3,637
Occupancy	425	433
Legal	62	104
Foreclosed real estate, net	(65)	(53)
FDIC assessments and regulatory expense	318	352
Professional fees	266	191
Office supplies	57	93
Online charges	209	223
Credit reports and appraisal fees	130	173
Other	381	553
Total non-interest expenses	5,593	5,706
Income before income tax provision	866	877
Income tax provision	1	10
Net income	865	867
Amortization of discount on preferred stock	(68)	(68)
Dividends on preferred stock	(527)	(493)
Net income available to common stockholders	$ 270	$ 306
Basic income per share (in dollars per share)	$ 0.03	$ 0.03
Diluted income per share (in dollars per share)	$ 0.03	$ 0.03