Consolidated Balance Sheets (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 10,077	$ 9,601
Interest-bearing deposits and money market funds	1,078	227
Federal funds sold	0	30,503
Cash and cash equivalents	11,155	40,331
Securities available for sale (at fair value)	61,459	55,273
Securities held to maturity (fair value of $51,348 and $51,662, respectively)	51,411	53,106
Other investments	2,484	2,484
Loans held for sale	319	436
Loans receivable, net	437,745	431,801
Accrued interest receivable	2,072	2,238
Foreclosed assets	4,339	4,967
Premises and equipment, net	10,213	10,464
Mortgage servicing rights, net	1,230	1,100
Federal Home Loan Bank stock (at cost)	3,250	3,250
Cash surrender value of bank-owned life insurance	11,199	10,899
Other assets	4,551	4,744
TOTAL ASSETS	601,427	621,093
Liabilities
Non-interest-bearing deposits	55,460	57,932
Interest-bearing deposits	393,207	407,325
Total deposits	448,667	465,257
Federal Home Loan Bank advances	59,124	57,434
Other borrowings	25,139	31,511
Senior subordinated notes	7,000	7,000
Junior subordinated debentures	7,732	7,732
Accrued expenses and other liabilities	5,034	5,469
Total liabilities	552,696	574,403
Stockholders' equity
Preferred stock - no par value: Authorized - 30,000 shares; no shares issued or outstanding	0	0
Common stock, no par value with a stated value of $1 per share; Authorized 3,000,000 shares; Issued 1,751,431; Outstanding: 1,574,456 and 1,564,297 shares, respectively	1,751	1,751
Additional paid-in capital	5,299	5,506
Retained earnings	43,899	41,974
Accumulated other comprehensive income (loss), net of tax	2,575	2,528
Treasury stock, at cost	(4,793)	(5,069)
Total stockholders' equity	48,731	46,690
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 601,427	$ 621,093