Condensed Consolidated Balance Sheets (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from financial institutions	$ 11,996	$ 10,024
Interest-bearing deposits	30,294	23,497
Total cash and cash equivalents	42,290	33,521
Securities available-for-sale	84,701	69,597
Securities held-to-maturity	1,267	1,313
Total securities	85,968	70,910
Loans held for sale, at lower of cost or fair value	63	753
Loans	380,638	424,864
Less allowance for loan losses	(10,195)	(12,247)
Net loans	370,443	412,617
Real estate owned	5,024	5,284
Investment in FHLB stock	3,799	3,799
Premises and equipment, net	12,317	13,175
Bank-owned life insurance	17,658	17,073
Accrued interest receivable and other assets	6,100	7,973
Total assets	543,662	565,105
Deposits
Noninterest-bearing	69,535	63,695
Interest-bearing	382,450	401,381
Total deposits	451,985	465,076
Federal funds purchased and other short-term borrowings	1,296	1,265
Federal Home Loan Bank advances	50,816	58,502
Accrued interest payable and other liabilities	2,665	2,848
Total liabilities	506,762	527,691
SHAREHOLDERS' EQUITY
Common stock, no par value, 7,500,000 shares authorized, 4,273,908 issued	3,785	3,785
Retained earnings	46,339	47,883
Treasury stock, at cost, 556,523 shares	(13,494)	(13,494)
Accumulated other comprehensive income (loss)	270	(760)
Total shareholders' equity	36,900	37,414
Total liabilities and shareholders' equity	$ 543,662	$ 565,105