Consolidated Statements of Earnings (unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Interest and dividend income
Loans	$ 6,590	$ 8,213
Investment securities	119	87
Other interest-earning accounts	149	113
Total interest and dividend income	6,858	8,413
Interest Expense
Deposits	1,033	1,551
Borrowings	426	673
Total interest expense	1,459	2,224
Net interest income	5,399	6,189
Provision for losses on loans	100	1,005
Net interest income after provision for losses on loans	5,299	5,184
Other income
Late charges, rent and other	301	328
Loan servicing fees	276	281
Service charges and other fees on deposits	462	490
Gain on sale of loans	689	564
Mortgage servicing rights - net	105	102
Gain on sale of investments	61	0
Loss on sale of fixed assets	0	(3)
Income on cash surrender value of life insurance	208	218
Total other income	2,102	1,980
General, administrative and other expense
Employee compensation and benefits	3,509	3,147
Occupancy and equipment	745	711
Federal deposit insurance premiums	441	454
Data and transaction processing	471	478
Advertising	144	87
Franchise taxes	230	183
Postage, supplies and office expenses	241	256
Travel, training and insurance	61	50
Professional services	329	538
Real estate owned and other expenses	539	647
Loan expenses	137	163
Total general, administrative and other expense	6,847	6,714
Earnings before federal income taxes	554	450
Federal income taxes	55	37
NET EARNINGS	$ 499	$ 413
EARNINGS PER SHARE
Basic	$ 0.04	$ 0.06
Diluted	$ 0.03	$ 0.06