CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $) In Thousands, unless otherwise specified	Mar. 31, 2012	Dec. 31, 2011	Mar. 31, 2011
ASSETS
Cash and due from banks	$ 93,622	$ 60,207	$ 46,302
Federal funds sold	27	28	10,578
Cash and cash equivalents	93,649	60,235	56,880
Investment securities available for sale	150,739	115,645	140,927
FHLB stock/Federal Reserve Bank stock, at cost	11,975	12,475	14,161
Loans held for sale, net	62
Loans held for investment	695,195	738,589	699,953
Allowance for loan losses	(8,116)	(8,522)	(8,879)
Loans held for investment, net	687,079	730,067	691,074
Accrued interest receivable	3,632	3,885	4,014
Other real estate owned	1,768	1,231	10,509
Premises and equipment	9,550	9,819	8,166
Deferred income taxes	8,654	8,998	8,977
Bank owned life insurance	13,096	12,977	12,583
Intangible assets	2,013	2,069	2,243
Other assets	2,954	3,727	6,948
TOTAL ASSETS	985,171	961,128	956,482
Deposit accounts:
Noninterest bearing	125,448	112,313	118,241
Interest bearing:
Transaction accounts	311,152	287,876	287,694
Retail certificates of deposit	410,117	428,688	413,126
Wholesale certificates of deposit			13,725
Total deposits	846,717	828,877	832,786
Other borrowings	28,500	28,500	28,500
Subordinated debentures	10,310	10,310	10,310
Accrued expenses and other liabilities	10,165	6,664	5,217
TOTAL LIABILITIES	895,692	874,351	876,813
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; 10,329,934 shares at March 31, 2012, 10,337,626 shares at December 31, 2011, and 10,084,626 shares at March 31, 2011 issued and outstanding	103	103	101
Additional paid-in capital	76,239	76,310	76,326
Retained earnings	12,738	10,046	4,246
Accumulated other comprehensive income (loss), net of tax (benefit) of $278 at March 31, 2012, $221 at December 31, 2011, and ($702) at March 31, 2011	399	318	(1,004)
TOTAL STOCKHOLDERS' EQUITY	89,479	86,777	79,669
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 985,171	$ 961,128	$ 956,482