Consolidated Statements of Cash Flows (Unaudited) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Cash flows from operating activities:
Net earnings for the period	$ 413	$ 652
Adjustments to reconcile net earnings to net cash provided by (used in) operating activities:
Amortization of deferred loan origination fees	(70)	(39)
Amortization of premiums and discounts on investment and mortgage-backed securities - net	10	4
Amortization of mortgage servicing rights - net	70	(304)
Depreciation and amortization	327	313
Provision for losses on loans	1,005	1,013
Stock option expense	29	158
Provisions for losses on REO	100	216
Gain on sale of real estate acquired through foreclosure		(24)
Restricted shares / unearned compensation	135	39
Gain on sale of investments		(1,278)
Gain on sale of loans	(564)	(30)
Loss on sale of assets	3
Loans originated for sale in the secondary market	(23,711)	(20,346)
Proceeds from sale of loans in the secondary market	26,782	21,397
Net increase in cash surrender value of life insurance	(174)	(174)
Increase (decrease) in cash due to changes in:
Accrued interest receivable	136	303
Prepaid expenses and other assets	82	(1,516)
Accrued interest and other liabilities	126	(1,199)
Net cash (used in) operating activities	4,699	(815)
Cash flows provided by (used in) investing activities:
Principal repayments, maturities on securities held to maturity	76	143
Principal repayments, maturities on securities available for sale	2,858	2,435
Purchases of investment securities designated as available for sale	(44,961)	(12,615)
Proceeds from sale of investments		27,209
Redemption of FHLB Stock		20,000
Loan principal repayments	68,498	44,735
Loan disbursements and purchased loans	(47,721)	(27,225)
Proceeds from sale of office premises and equipment	19
Additions to office premises and equipment	(233)	(52)
Proceeds from sale of real estate acquired through foreclosure	303	896
Net cash provided by (used in) investing activities	(21,161)	55,526
Cash flows used in financing activities:
Net increase in deposits	21,594	3,781
Proceeds from Federal Home Loan Bank advances and other borrowings	26,537	20,221
Repayment of Federal Home Loan Bank advances and other borrowings	(28,893)	(45,010)
Decrease in advances by borrowers for taxes and insurance	(719)	(1,040)
Net cash provided by (used in) financing activities	18,519	(22,048)
Increase in cash and cash equivalents	2,057	32,663
Cash and cash equivalents at beginning of period	38,374	29,114
Cash and cash equivalents at end of period	40,431	61,777
Cash paid during the period for:
Interest on deposits and borrowings	2,187	2,967
Income taxes paid	0	0
Transfers from loans to real estate acquired through foreclosure	$ 2,123	$ 1,300