CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011
OPERATING ACTIVITIES
Net income	$ 2,404	$ 1,317
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization and impairment adjustment of mortgage loan servicing rights	188	78
Premiums and discounts on investment securities, net	119	59
Premiums and discounts on mortgage-backed securities, net	146	127
Deferred loan origination costs, net	145	24
Provision for loan losses	1,000	2,350
Depreciation of premises and equipment	396	436
Increase in value of bank-owned life insurance	(304)	(321)
Stock based compensation	246	154
Proceeds from sale of loans originated for sale	26,047	8,632
Origination of loans held for sale	(26,836)	(8,409)
Loss (gain) on foreclosed real estate	425	0
Gain on:
Sale of investments	0	(210)
Sale of loans held for sale	(538)	(167)
Disposition of premises and equipment	(277)	0
Decrease (increase) in:
Accrued interest receivable	21	(37)
Other assets	260	473
Increase (decrease) in:
Accrued interest payable	46	448
Other liabilities	242	1,377
NET CASH PROVIDED BY OPERATING ACTIVITIES	3,730	6,331
INVESTING ACTIVITIES
Loan originations	(66,089)	(50,143)
Loan principal payments	44,945	47,642
Proceeds from sale of foreclosed real estate	6,570	639
Proceeds from disposition of premises and equipment	356	0
Principal repayments on mortgage-backed securities held to maturity	237	361
Principal repayments on mortgage-backed securities available for sale	13,420	14,327
Proceeds from maturities and redemptions of investments available for sale	3,420	0
Proceeds from sale of investment securities available for sale	0	3,534
Purchase of investment securities available for sale	(4,260)	(4,112)
Purchase of mortgage-backed securities available for sale	(13,520)	(14,550)
Purchase of premises and equipment	(311)	(436)
Redemption of FHLB stock	747	917
Proceeds from sale of mortgage-backed securities available for sale	0	1,518
NET CASH (USED)/PROVIDED BY INVESTING ACTIVITIES	(14,485)	(303)
FINANCING ACTIVITIES
Net increase (decrease) in customer deposits	(4,248)	1,969
Net increase in short-term FHLB borrowings	7,440	0
Proceeds of long-term FHLB borrowings	8,197	6,573
Repayment of long-term FHLB borrowings	(11,461)	(13,215)
Net decrease in advances from borrowers for taxes and insurance	531	259
Exercise of stock options	7	0
Tax benefit from exercise of stock options	(1)	0
Common stock dividends paid	(271)	(265)
NET CASH PROVIDED/(USED) BY FINANCING ACTIVITIES	194	(4,679)
NET INCREASE IN CASH AND CASH EQUIVALENTS	(10,561)	1,349
Cash and cash equivalents at beginning of period	14,928	7,437
Cash and cash equivalents at end of period	4,367	8,786
Cash paid for:
Interest on deposits and borrowings	2,702	3,514
Income taxes	375	300
Non-cash transactions:
Capitalization of mortgage servicing rights	267	74
Transfers from loans to foreclosed real estate	1,889	2,392
Securities available for sale purchased not settled	$ 0	$ 1,234