Consolidated Statements of Financial Condition (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks	$ 14,462	$ 16,420
Interest-bearing deposits in other financial institutions	12,458	21,954
Cash and cash equivalents	26,920	38,374
Securities available for sale, at market	79,709	17,845
Securities held to maturity, at cost	939	3,083
Loans held for sale - at lower of cost or fair value	6,341	8,090
Loans receivable - net	579,522	639,177
Office premises and equipment - net	8,066	8,645
Real estate acquired through foreclosure	11,886	10,888
Federal Home Loan Bank stock - at cost	9,888	9,888
Accrued interest receivable	2,742	2,945
Mortgage servicing rights - at lower of cost or market	3,185	3,263
Prepaid expenses and other assets	4,647	4,927
Cash surrender value of life insurance	20,397	19,893
Total assets	754,242	767,018
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits	630,304	629,259
Other Borrowings	11,095	16,681
Advances from the Federal Home Loan Bank	53,371	63,604
Advances by borrowers for taxes and insurance	1,553	2,100
Accounts payable and accrued liabilities	10,497	9,769
Total liabilities	706,820	721,413
Commitments	0	0
Stockholders' equity:
Preferred stock - $1 par value; authorized 100,000 shares; no shares outstanding	0	0
Common stock - $1 par value; authorized 29,900,000 shares; 9,144,477 and 8,884,508 shares issued at September 30, 2012 and December 31, 2011 respectively	9,144	8,885
Unearned compensation	(457)	(31)
Additional paid-in capital	60,982	60,528
Retained earnings	1,729	350
Accumulated other comprehensive income (loss) net of related tax effects	138	(13)
Treasury stock 1,678,913 shares at September 30, 2012 and December 31, 2011, at cost	(24,114)	(24,114)
Total stockholders' equity	47,422	45,605
Total liabilities and stockholders' equity	$ 754,242	$ 767,018