Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010
Operating Activities
Net income	$ 539	$ 2,117
Items not requiring (providing) cash
Depreciation	404	425
Provision for loan losses	5,361	2,759
Amortization of premiums and discounts on securities	142	49
Deferred income taxes	(295)	(485)
Loss on sale of other real estate owned	700	441
Gain on sale of securities	(54)
Gain on sale of loans	(1,080)	(1,019)
Loans originated for sale	(52,591)	(47,528)
Proceeds on loans sold	52,700	49,389
Amortization of stock options	8	2
Changes in
Interest receivable and other assets	861	1,744
Interest payable and other liabilities	(629)	36
Net cash provided by operating activities	6,066	7,930
Investing Activities
Purchases of available-for-sale securities	(6,547)	(2,901)
Proceeds from maturities of available-for-sale securities	1,589	2,330
Proceeds from sale of available-for-sale securities	2,889
Net change in loans	10,681	(6,383)
Proceeds from sale of other real estate owned	1,003	911
Redemption of Federal Home Loan Bank stock	398	414
Purchase of premises and equipment	(434)	(332)
Net cash provided by (used in) investing activities	9,579	(5,961)
Financing Activities
Net change in demand deposits, money market, NOW and savings accounts	9,272	37,821
Net change in certificates of deposit	(12,297)	(4,229)
Proceeds from Federal Home Loan Bank advances	11,000	16,000
Repayment of Federal Home Loan Bank advances	(15,500)	(50,500)
Proceeds from stock options exercised	8
Tax benefits related to stock options purchased	7
Dividends paid		(389)
Net cash used in financing activities	(7,510)	(1,297)
Increase in Cash and Cash Equivalents	8,135	672
Cash and Cash Equivalents, Beginning of Year	13,573	12,901
Cash and Cash Equivalents, End of Year	21,708	13,573
Supplemental Cash Flows Information
Interest paid	4,202	6,224
Income taxes paid	1,414	1,210
Supplemental Non-Cash Disclosures
Capitalization of mortgage servicing rights	116	196
Loans transferred to other real estate owned	$ 2,625	$ 1,017