Consolidated Statements of Earnings (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Interest and dividend income
Loans	$ 8,213	$ 8,901
Investment securities	87	355
Other interest-earning accounts	113	346
Total interest and dividend income	8,413	9,602
Interest Expense
Deposits	1,551	2,189
Borrowings	673	803
Total interest expense	2,224	2,992
Net interest income	6,189	6,610
Provision for losses on loans	1,005	1,013
Net interest income after provision for losses on loans	5,184	5,597
Other income
Late charges, rent and other	328	362
Loan servicing fees	281	307
Service charges and other fees on deposits	490	503
Gain on sale of loans	564	30
Mortgage servicing rights - net	102	271
Gain on sale of investments		1,278
Loss on sale of fixed assets	(3)
Income on cash surrender value life	218	217
Total other income	1,980	2,968
General, administrative and other expenses
Employee compensation and benefits	3,147	3,378
Occupancy and equipment	711	761
Federal deposit insurance premiums	454	545
Data processing	286	284
Advertising	87	86
Franchise taxes	183	170
Postage, supplies and office expenses	256	218
Travel, training and insurance	50	122
Professional services	538	382
Transaction processing	192	168
Real estate owned and other expenses	647	830
Loan expenses	163	421
Total general, administrative and other expense	6,714	7,365
Earnings before federal income taxes	450	1,200
Federal income taxes	37	548
NET EARNINGS	$ 413	$ 652
EARNINGS PER SHARE
Basic	$ 0.06	$ 0.09
Diluted	$ 0.06	$ 0.09