Other Real Estate Owned

3 Months Ended

Mar. 31, 2012

Other Real Estate Owned:

Other Real Estate Owned

6.  Other Real Estate Owned

Period-end other real estate owned was as follows:

(in 000’s)	Three Months Ended  March 31, 2012	Year Ended December 31, 2011	Three Months Ended March 31, 2011
Beginning balance	$1,284	$ 1,417	$ 1,417
Additions, transfers from loans	75	602	602
Proceeds from sales	-	(730)	-
	1,359	1,289	2,019
Less: write-downs	(15)	(5)	(4)
Ending Balance	1,344	1,284	$2,015