Consolidated Statements of Earnings (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and dividend income
Loans	$ 6,724	$ 7,522	$ 19,905	$ 23,434
Investment securities	194	131	483	350
Other interest-earning accounts	108	112	379	330
Total interest and dividend income	7,026	7,765	20,767	24,114
Interest Expense
Deposits	979	1,235	3,012	4,191
Borrowings	386	545	1,241	1,836
Total interest expense	1,365	1,780	4,253	6,027
Net interest income	5,661	5,985	16,514	18,087
Provision for losses on loans	(609)	457	(509)	1,599
Net interest income after provision for losses on loans	6,270	5,528	17,023	16,488
Other income
Late charges, rent and other	223	321	692	872
Loan servicing fees	287	283	836	849
Service charges and other fees on deposits	501	515	1,480	1,513
Gain on sale of loans	251	633	1,486	1,714
Mortgage servicing rights - net	405	(117)	861	(78)
Gain on sale of investments	0	0	61	1
Loss on sale of fixed assets	0	0	(7)	(3)
Income on cash surrender value of life insurance	214	216	633	642
Total other income	1,881	1,851	6,042	5,510
General, administrative and other expenses
Employee compensation and benefits	3,777	2,996	10,804	9,392
Occupancy and equipment	718	725	2,182	2,192
Federal deposit insurance premiums	428	457	1,310	1,380
Data and transaction processing	427	479	1,377	1,449
Advertising	133	101	405	296
Franchise taxes	218	199	675	583
Postage, supplies and office expenses	235	248	714	755
Travel, training and insurance	95	86	229	207
Professional services	372	468	1,089	1,357
Real estate owned and other expenses	704	959	2,153	2,195
Loan expenses	146	230	450	891
Total general, administrative and other expense	7,253	6,948	21,388	20,697
Earnings before federal income taxes	898	431	1,677	1,301
Federal income taxes	171	(53)	(5,703)	(78)
NET EARNINGS	$ 727	$ 484	$ 7,380	$ 1,379
EARNINGS PER SHARE
Basic	$ 0.05	$ 0.07	$ 0.55	$ 0.19
Diluted	$ 0.05	$ 0.07	$ 0.50	$ 0.19