Consolidated Statements of Earnings (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest and dividend income
Loans	$ 8,715	$ 9,513	$ 26,455	$ 28,074
Mortgage-backed securities	19	388	359	1,291
Investment securities	53	54	152	224
Other interest-earning accounts	99	337	602	1,010
Total interest and dividend income	8,886	10,292	27,568	30,599
Interest Expense
Deposits	1,734	2,570	5,841	8,259
Borrowings	686	972	2,215	2,961
Total interest expense	2,420	3,542	8,056	11,220
Net interest income	6,466	6,750	19,512	19,379
Provision for losses on loans	228	11,407	1,438	17,524
Net interest income (loss) after provision for losses on loans	6,238	(4,657)	18,074	1,855
Other income
Late charges, rent and other	336	497	901	1,234
Loan servicing fees	300	315	905	952
Service charges and other fees on deposits	548	603	1,580	1,719
Gain on sale of loans	129	332	129	822
Mortgage servicing rights - net	(352)	(528)	(213)	(622)
Gain (loss) on sale of fixed assets	11	2	15	1
Gain (loss) on sale of investments	(9)		1,267
Income on cash surrender value of life insurance	222	221	659	656
Total other income	1,185	1,442	5,243	4,762
General, administrative and other expenses
Employee compensation and benefits	3,034	3,467	9,565	10,121
Occupancy and equipment	767	734	2,219	2,219
Federal deposit insurance premiums and other insurance	444	538	1,541	1,673
Data processing	273	276	834	842
Advertising	95	105	277	275
Franchise taxes	166	280	514	814
Postage, supplies and office expenses	238	262	709	829
Travel and training	65	106	185	183
Professional services	391	292	1,093	1,075
Deposit and transaction processing expenses	191	194	559	572
Real estate owned and other expenses	1,365	822	3,020	1,653
Loan expenses	226	735	1,307	1,472
Total general, administrative and other expense	7,255	7,811	21,823	21,728
Earnings (loss) before federal income taxes	168	(11,026)	1,494	(15,111)
Federal income taxes (benefit)	5	572	542	457
NET EARNINGS (LOSS)	$ 163	$ (11,598)	$ 952	$ (15,568)
EARNINGS (LOSS) PER SHARE
Basic	$ 0.02	$ (1.61)	$ 0.13	$ (2.16)
Diluted	$ 0.02	$ (1.61)	$ 0.13	$ (2.16)