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CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
OPERATING ACTIVITIES      
Net income $ 5,039 $ 6,537 $ 1,282
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision (credit) for loan losses (775) (3,575) 5,250
Depreciation and amortization expense 1,523 1,477 1,496
Net amortization of investment securities 1,124 736 467
Net realized losses (gains) on investment securities - available for sale (12) 358 (157)
Net gains on loans held for sale (1,132) (812) (958)
Amortization of deferred loan fees (240) (231) (407)
Origination of mortgage loans held for sale (76,688) (58,640) (71,643)
Sales of mortgage loans held for sale 74,354 59,747 68,986
Decrease (increase) in accrued interest receivable 256 (6) 379
Decrease in accrued interest payable (440) (1,018) (595)
Earnings on bank owned life insurance (863) (885) (1,032)
Deferred income taxes 2,101 2,758 (126)
Stock compensation expense 41 15 61
Decrease in prepaid Federal Deposit Insurance 370 1,259 1,465
Other, net (1,446) 3,074 (1,738)
Net cash provided by (used in) operating activities 3,212 10,794 2,730
INVESTING ACTIVITIES      
Purchase of investment securities - available for sale (34,199) (85,352) (97,789)
Purchase of investment securities - held to maturity (4,987) (6,576) (1,123)
Proceeds from maturities of investment securities - available for sale 59,800 53,243 61,483
Proceeds from maturities of investment securities - held to maturity 3,518 2,125 4,914
Proceeds from sales of investment securities - available for sale 4,221 16,518 2,742
Proceeds from redemption of regulatory stock 1,712 1,342 381
Long-term loans originated (232,685) (147,864) (82,922)
Principal collected on long-term loans 182,245 161,356 129,655
Loans purchased or participated (17,492) (8,500) (3,845)
Loans sold or participated 8,500 1,000   
Net increase in other short-term loans (300) (443) (134)
Purchases of premises and equipment (2,647) (1,666) (2,762)
Proceeds from sale of other real estate owned 160 743 1,300
Proceeds from insurance policies 0    451
Net cash (used in) provided by investing activities (32,154) (14,074) 12,351
FINANCING ACTIVITIES      
Net increase in deposit balances 19,329 13,722 16,277
Net (decrease) increase in other short-term borrowings (105) 11,215 (21,225)
Principal borrowings on advances from Federal Home Loan Bank 21,000 2,000 34,000
Principal repayments on advances from Federal Home Loan Bank (14,000) (5,750) (50,054)
Preferred stock dividend paid (828) (1,054) (1,050)
Warrant repurchase 0 (825)   
Purchase of treasury stock (4,417) (582)   
Net cash provided by (used in) financing activities 20,979 18,726 (22,052)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (7,963) 15,446 (6,971)
CASH AND CASH EQUIVALENTS AT JANUARY 1 34,783 19,337 26,308
CASH AND CASH EQUIVALENTS AT DECEMBER 31 $ 26,820 $ 34,783 $ 19,337