CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 922	$ 899
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	239	242
Depreciation and amortization expense	208	211
Deferred income taxes	48	7
Increase in cash value of life insurance	(48)	(53)
Provision for loan losses	475	500
Proceeds from sales of loans	10,125	6,927
Loans originated for sale	(8,651)	(3,159)
Gain on sale of loans	(258)	(125)
(Increase) decrease in accrued interest receivable	74	(7)
Increase (decrease) in accrued interest payable	6	(100)
Net change in other assets/liabilities	323	212
Net Cash Provided By Operating Activities	3,463	5,554
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of securities available for sale	(16,516)	(5,838)
Proceeds from maturities of securities available for sale	13,547	1,075
Proceeds from maturities of securities held to maturity	0	14
Proceeds from sales of securities available for sale	1,004	0
Principal collected on mortgage-backed obligations	3,997	3,039
Net decrease in loans receivable	3,358	6,691
Proceeds from sale of foreclosed real estate	395	55
Purchase of premises and equipment	(90)	(68)
Net Cash Provided By Investing Activities	5,695	4,968
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	4,070	(3,370)
Net decrease in advances from Federal Home Loan Bank	(1,425)	(200)
Net increase (decrease) in retail repurchase agreements	(30)	29
Dividends paid	(530)	(529)
Net Cash Provided By (Used In) Financing Activities	2,085	(4,070)
Net Increase in Cash and Cash Equivalents	11,243	6,452
Cash and cash equivalents at beginning of period	18,923	21,575
Cash and Cash Equivalents at End of Period	$ 30,166	$ 28,027