Consolidated Statements of Loss (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest income:
Loans receivable	$ 9,301	$ 11,461	$ 19,204	$ 23,220
Securities available for sale:
Mortgage-backed and related	290	479	614	1,014
Other marketable	407	591	824	1,163
Cash equivalents	2	1	3	2
Other	45	37	114	74
Total interest income	10,045	12,569	20,759	25,473
Interest expense:
Deposits	1,806	3,038	3,746	6,459
Federal Home Loan Bank advances	1,240	1,542	2,569	3,064
Total interest expense	3,046	4,580	6,315	9,523
Net interest income	6,999	7,989	14,444	15,950
Provision for loan losses	3,463	4,360	5,409	10,893
Net interest income after provision for loan losses	3,536	3,629	9,035	5,057
Non-interest income:
Fees and service charges	925	920	1,849	1,762
Mortgage servicing fees	250	274	500	542
Gains on sales of loans	301	467	796	781
Other	113	120	230	270
Total non-interest income	1,589	1,781	3,375	3,355
Non-interest expense:
Compensation and benefits	3,512	3,411	7,072	6,860
Loss (gain) on real estate owned	143	33	190	(728)
Occupancy	916	1,035	1,856	2,066
Deposit insurance	407	519	811	1,036
Data processing	305	298	558	574
Other	2,209	1,034	3,797	2,539
Total non-interest expense	7,492	6,330	14,284	12,347
Loss before income tax expense (benefit)	(2,367)	(920)	(1,874)	(3,935)
Income tax expense (benefit)	(76)	6,912	0	5,744
Net loss	(2,291)	(7,832)	(1,874)	(9,679)
Preferred stock dividends and discount	457	448	906	888
Net Loss available to common shareholders	$ (2,748)	$ (8,280)	$ (2,780)	$ (10,567)
Basic Loss per common share	$ (0.72)	$ (2.20)	$ (0.73)	$ (2.82)
Diluted Loss per common share	$ (0.72)	$ (2.20)	$ (0.73)	$ (2.82)