CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010	Sep. 30, 2010
ASSETS
Cash and due from banks	$ 37,780	$ 63,433	$ 51,267
Federal funds sold	28	29	29
Cash and cash equivalents	37,808	63,462	51,296
Investment securities available for sale	107,761	155,094	172,181
FHLB stock/Federal Reserve Bank stock, at cost	12,982	13,334	13,805
Loans held for investment	734,474	564,417	552,454
Allowance for loan losses	(8,522)	(8,879)	(9,170)
Loans held for investment, net	725,952	555,538	543,284
Accrued interest receivable	3,732	3,755	3,556
Other real estate owned	2,846	34	1,700
Premises and equipment	9,977	8,223	8,358
Deferred income taxes	9,047	11,103	10,346
Bank owned life insurance	12,827	12,454	12,323
Intangible assets	2,126
Other assets	3,444	3,819	4,471
TOTAL ASSETS	928,502	826,816	821,320
Deposit accounts:
Noninterest bearing	109,194	47,229	51,798
Interest bearing:
Transaction accounts	285,829	203,029	198,788
Retail certificates of deposit	398,101	407,108	404,232
Wholesale/brokered certificates of deposit	4,254	1,874	1,973
Total deposits	797,378	659,240	656,791
FHLB advances and other borrowings	28,500	68,500	66,500
Subordinated debentures	10,310	10,310	10,310
Accrued expenses and other liabilities	7,694	10,164	9,175
TOTAL LIABILITIES	843,882	748,214	742,776
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value; 1,000,000 shares authorized; no shares outstanding
Common stock, $.01 par value; 15,000,000 shares authorized; 10,084,626 shares at September 30, 2011, 10,033,836 shares at December 31, 2010 and September 30, 2010 issued and outstanding	101	100	100
Additional paid-in capital	76,517	79,942	79,933
Retained earnings (accumulated deficit)	7,491	(526)	(2,126)
Accumulated other comprehensive income (loss), net of tax (benefit) of $357 at September 30, 2011, ($639) at December 31, 2010, and $446 at September 30, 2010	511	(914)	637
TOTAL STOCKHOLDERS' EQUITY	84,620	78,602	78,544
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 928,502	$ 826,816	$ 821,320