CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands	6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 1,844	$ 1,996
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:
Amortization of premiums and accretion of discounts on securities, net	471	432
Depreciation and amortization expense	410	465
Deferred income taxes	22	185
Increase in cash value of life insurance	(104)	(110)
Provision for loan losses	925	880
Proceeds from sales of mortgage loans	12,324	16,562
Mortgage loans originated for sale	(8,008)	(17,296)
Net gain on sale of mortgage loans	(225)	(279)
Decrease in accrued interest receivable	73	27
Decrease in accrued interest payable	(143)	(269)
Net change in other assets/liabilities	(231)	5
Net Cash Provided By Operating Activities	7,358	2,598
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of securities available for sale	(21,595)	(35,011)
Proceeds from maturities of securities available for sale	6,265	18,396
Proceeds from maturities of securities held to maturity	14	10
Proceeds from sales of securities available for sale	647	0
Principal collected on mortgage-backed obligations	5,223	6,754
Net decrease in loans receivable	3,866	3,332
Proceeds from sale of foreclosed real estate	357	750
Proceeds from redemption of Federal Home Loan Bank stock	374	0
Purchase of premises and equipment	(183)	(56)
Net Cash Used In Investing Activities	(5,032)	(5,825)
CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in deposits	(8,834)	(3,693)
Net increase (decrease) in advances from Federal Home Loan Bank	(450)	4,225
Net increase in retail repurchase agreements	607	454
Exercise of stock options	0	282
Purchase of treasury stock	(27)	(35)
Dividends paid	(1,072)	(1,016)
Net Cash Provided By (Used In) Financing Activities	(9,776)	217
Net Decrease in Cash and Cash Equivalents	(7,450)	(3,010)
Cash and cash equivalents at beginning of period	21,575	15,857
Cash and Cash Equivalents at End of Period	$ 14,125	$ 12,847