Consolidated Statements of Earnings (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Interest and dividend income
Loans	$ 6,591	$ 7,699	$ 13,181	$ 15,912
Investment securities	170	132	290	219
Other interest-earning accounts	122	105	270	218
Total interest and dividend income	6,883	7,936	13,741	16,349
Interest Expense
Deposits	1,000	1,405	2,033	2,956
Borrowings	429	618	855	1,291
Total interest expense	1,429	2,023	2,888	4,247
Net interest income	5,454	5,913	10,853	12,102
Provision for losses on loans	0	137	100	1,142
Net interest income after provision for losses on loans	5,454	5,776	10,753	10,960
Other income
Late charges, rent and other	168	223	469	551
Loan servicing fees	273	285	549	566
Service charges and other fees on deposits	517	508	979	998
Gain on sale of loans	546	517	1,235	1,081
Mortgage servicing rights - net	351	(63)	456	39
Gain on sale of investments	0	1	61	1
Loss on sale of fixed assets	(7)	0	(7)	(3)
Income on cash surrender value of life insurance	211	208	419	426
Total other income	2,059	1,679	4,161	3,659
General, administrative and other expenses
Employee compensation and benefits	3,518	3,249	7,027	6,396
Occupancy and equipment	719	756	1,464	1,467
Federal deposit insurance premiums	441	469	883	923
Data and transaction processing	479	492	949	970
Advertising	128	108	272	195
Franchise taxes	227	201	457	384
Postage, supplies and office expenses	238	251	479	507
Travel, training and insurance	73	71	134	121
Professional services	388	351	717	889
Real estate owned and other expenses	910	589	1,449	1,236
Loan expenses	167	498	304	661
Total general, administrative and other expense	7,288	7,035	14,135	13,749
Earnings before federal income taxes	225	420	779	870
Federal income taxes	(5,929)	(62)	(5,874)	(25)
NET EARNINGS	$ 6,154	$ 482	$ 6,653	$ 895
EARNINGS PER SHARE
Basic	$ 0.45	$ 0.06	$ 0.49	$ 0.12
Diluted	$ 0.42	$ 0.06	$ 0.46	$ 0.12