Consolidated Statements of Cash Flows (Unaudited) (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
Cash flows from operating activities:
Net loss for the period	$ (811)	$ (3,970)
Adjustments to reconcile net earnings (loss) to net cash provided by (used in) operating activities:
Amortization of deferred loan origination fees	(159)	67
Amortization of premiums and discounts on investment and mortgage-backed securities - net	30	8
Amortization of mortgage servicing rights - net	72	546
Depreciation and amortization	668	628
Provision for losses on loans	2,810	6,117
Stock option expense	199	138
Deferred compensation	47	31
Provisions for losses on REO	259	192
Loss on sale of real estate acquired through foreclosure	285	30
Gain on sale of loans		(490)
(Gain) or loss on sale of investments and fixed assets	(1,280)	1
Loans originated for sale in the secondary market	(34,614)	(29,293)
Proceeds from sale of loans in the secondary market	33,123	28,589
Net increase in cash surrender value of life insurance	(351)	(351)
Increase (decrease) in cash due to changes in:
Accrued interest receivable	357	320
Prepaid expenses and other assets	(777)	(629)
Accrued interest and other liabilities	(818)	(949)
Net cash provided by (used in) operating activities	(960)	985
Cash flows provided by (used in) investing activities:
Principal repayments, maturities on securities held to maturity	282	195
Principal repayments, maturities on securities available for sale	4,971	17,842
Purchases of investment securities designated as available for sale	(12,615)
Purchases of investment securities designated as held to maturity		(828)
Proceeds from sale of investments	27,161
Redemption of FHLB Stock	20,000
Loan principal repayments	108,208	73,863
Loan disbursements and purchased loans	(90,452)	(100,079)
Proceeds from sale of office premises and equipment	4	10
Proceeds from sale of life insurance		160
Additions to office premises and equipment	(129)	(219)
Proceeds from sale of real estate acquired through foreclosure	2,876	1,521
Net cash provided by (used in) investing activities	60,306	(7,535)
Cash flows used in financing activities:
Net decrease in deposits	(20,169)	(7,030)
Proceeds from Federal Home Loan Bank advances and other borrowings	42,317	87,606
Repayment of Federal Home Loan Bank advances and other borrowings	(66,301)	(76,848)
Decrease in advances by borrowers for taxes and insurance	(1,925)	(1,764)
Net cash provided by (used in) financing activities	(46,078)	1,964
Increase (decrease) in cash and cash equivalents	13,268	(4,586)
Cash and cash equivalents at beginning of period	29,114	38,153
Cash and cash equivalents at end of period	42,382	33,567
Cash paid during the period for:
Interest on deposits and borrowings	5,699	7,690
Income taxes paid	580
Transfers from loans to real estate acquired through foreclosure	$ 7,540	$ 2,682