Consolidated Statements of Financial Condition (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 14,764	$ 13,143
Interest-bearing deposits in other financial institutions	54,943	15,971
Cash and cash equivalents	69,707	29,114
Securities available for sale, at market	10,996	30,768
Securities held to maturity, at cost	3,493	3,948
Loans held for sale - at lower of cost or fair value	10,445	2,208
Loans receivable - net	636,388	667,840
Office premises and equipment - net	8,786	9,928
Real estate acquired through foreclosure	12,592	10,096
Federal Home Loan Bank stock - at cost	9,888	29,888
Accrued interest receivable	3,030	3,521
Mortgage servicing rights - at lower of cost or market	3,628	3,841
Prepaid expenses and other assets	4,935	4,426
Cash surrender value of life insurance	19,718	19,388
Total assets	793,606	814,966
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits	624,327	651,816
Other Borrowings	10,672	11,530
Advances from the Federal Home Loan Bank	101,186	92,934
Advances by borrowers for taxes and insurance	1,393	2,413
Accounts payable and accrued liabilities	9,724	10,170
Total liabilities	747,302	768,863
Commitments
Stockholders' equity:
Preferred stock - $1 par value; authorized 100,000 shares; no shares outstanding
Common stock - $1 par value; authorized 29,900,000 shares; 8,884,508 shares issued at September 30, 2011 and December 31, 2010	8,885	8,885
Unearned compensation	(39)	(94)
Additional paid-in capital	60,494	60,260
Retained earnings	1,088	136
Accumulated other comprehensive income (loss) net of related tax effects	(10)	1,030
Treasury stock 1,678,913 shares at September 30, 2011 and December 31, 2010, at cost	(24,114)	(24,114)
Total stockholders' equity	46,304	46,103
Total liabilities and stockholders' equity	$ 793,606	$ 814,966