Consolidated Statements of Cash Flows (Unaudited) (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Cash flows from operating activities:
Net earnings (loss)	$ (648)	$ (15,568)
Adjustments to reconcile net earnings (loss) to net cash provided by (used in) operating activities:
Amortization of deferred loan origination fees	(256)	78
Amortization of premiums and discounts on investment and mortgage-backed securities - net	(56)	9
Amortization of mortgage servicing rights - net	879	1,828
Depreciation and amortization	922	920
Provision for losses on loans	3,038	17,524
Stock option expense	234	138
Provisions for losses on REO	627	617
(Gain) loss on sale of real estate acquired through foreclosure	423	(2)
Restricted stock / unearned compensation	55	31
Gain on sale of investments	(1,267)
Gain on sale of loans	(129)	(822)
(Gain) loss on sale of assets	(14)	1
Loans originated for sale in the secondary market	(51,557)	(60,326)
Proceeds from sale of loans in the secondary market	43,449	49,480
Net increase in cash surrender value of life insurance	(529)	(529)
Increase (decrease) in cash due to changes in:
Accrued interest receivable	491	234
Prepaid expenses and other assets	(509)	483
Accrued interest and other liabilities	(446)	59
Net cash (used in) operating activities	(5,293)	(5,845)
Cash flows provided by (used in) investing activities:
Principal repayments, maturities on securities held to maturity	452	246
Principal repayments, maturities on securities available for sale	7,602	20,505
Purchases of investment securities designated as available for sale	(15,395)
Purchases of investment securities designated as held to maturity		(1,623)
Proceeds from sale of investments	27,205
Redemption of FHLB Stock	20,000
Loan principal repayments	153,194	94,537
Loan disbursements and purchased loans	(132,695)	(134,825)
Proceeds from sale of office premises and equipment	1,081	20
Proceeds from surrender of life insurance	199	160
Additions to office premises and equipment	(847)	(295)
Proceeds from sale of real estate acquired through foreclosure	6,205	2,457
Net cash provided by (used in) investing activities	67,001	(18,818)
Cash flows used in financing activities:
Net decrease in deposits	(27,489)	(11,965)
Proceeds from Federal Home Loan Bank advances and other borrowings	149,659	145,185
Repayment of Federal Home Loan Bank advances and other borrowings	(142,265)	(110,752)
Decrease in advances by borrowers for taxes and insurance	(1,020)	(630)
Net cash provided by (used in) financing activities	(21,115)	21,838
Increase (decrease) in cash and cash equivalents	40,593	(2,825)
Cash and cash equivalents at beginning of period	29,114	38,153
Cash and cash equivalents at end of period	69,707	35,328
Cash paid during the period for:
Interest on deposits and borrowings	8,074	11,955
Income taxes paid	475
Recognition of mortgage-servicing rights	453	585
Transfers from loans to real estate acquired through foreclosure	$ 9,751	$ 3,968