CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
OPERATING ACTIVITIES
Net income	$ 3,877	$ 2,397
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization and impairment adjustment of mortgage loan servicing rights	304	296
Premiums and discounts on investment securities, net	181	87
Premiums and discounts on mortgage-backed securities, net	229	128
Deferred loan origination costs, net	132	122
Provision for loan losses	1,750	2,878
Depreciation of premises and equipment	573	647
Increase in value of bank owned life insurance	(456)	(481)
Stock based compensation	366	262
Proceeds from sale of loans originated for sale	39,656	15,748
Origination of loans held for sale	(39,512)	(17,156)
Loss on foreclosed real estate	425	254
Gain on:
Sale of investments	0	(210)
Sale of loans held for sale	(920)	(292)
Disposition of premises and equipment	(277)	0
Decrease in:
Accrued interest receivable	5	158
Other assets	644	900
(Decrease) increase in:
Accrued interest payable	(432)	(477)
Other liabilities	944	533
NET CASH PROVIDED BY OPERATING ACTIVITIES	7,489	5,794
INVESTING ACTIVITIES
Loan originations	(110,383)	(76,036)
Loan principal payments	65,723	68,123
Proceeds from sale of foreclosed real estate	6,736	724
Proceeds from disposition of premises and equipment	356	0
Principal repayments on mortgage-backed securities held to maturity	506	482
Principal repayments on mortgage-backed securities available for sale	20,489	20,990
Proceeds from maturities and redemptions of investments available for sale	5,300	3,860
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)	(16,596)
Purchase of premises and equipment	(387)	(508)
Redemption of FHLB stock	1,408	1,341
Proceeds from sale of mortgage backed securities available for sale	0	1,518
NET CASH (USED)/PROVIDED BY INVESTING ACTIVITIES	(28,032)	3,320
FINANCING ACTIVITIES
Net (decrease)/increase in deposits	(18,015)	1,543
Net increase in short-term FHLB borrowings	14,304	10,884
Proceeds of long-term FHLB borrowings	32,197	6,573
Repayment of long-term FHLB borrowings	(18,253)	(19,944)
Net decrease in advances from borrowers for taxes and insurance	(505)	(733)
Exercise of stock options	7	0
Tax benefit arising from exercise of stock options	(1)	0
Common stock dividends paid	(407)	(399)
NET CASH PROVIDED/(USED) BY FINANCING ACTIVITIES	9,327	(2,076)
NET (DECREASE)/INCREASE IN CASH AND CASH EQUIVALENTS	(11,216)	7,038
Cash and cash equivalents at beginning of period	14,928	7,437
Cash and cash equivalents at end of period	3,712	14,475
Cash paid for:
Interest on deposits and borrowings	4,321	6,342
Income taxes	375	300
Non-cash transactions:
Capitalization of mortgage servicing rights	404	136
Transfers from loans to foreclosed real estate	$ 2,925	$ 2,405