Consolidated Statements of Condition (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Cash and amounts due from depository institutions	$ 20,577	$ 32,982
Interest earning deposits with banks	114,122	59,090
Cash and cash equivalents	134,699	92,072
Investment securities available-for-sale, at fair value	203,290	234,381
Investment securities held-to-maturity, at cost	15,458	16,371
Loans receivable, net of deferred fees	692,267	711,226
Allowance for loan losses	(12,185)	(12,424)
Net loans	680,082	698,802
Loans held for sale	1,509	1,124
Federal Home Loan Bank stock, at cost	6,188	6,188
Bank-owned life insurance	36,604	36,275
Accrued interest receivable	2,528	3,011
Other real estate owned	23,347	19,091
Office properties and equipment	15,768	17,539
Net deferred tax assets	11,302	16,273
Other assets	7,334	7,823
Total assets	1,138,109	1,148,950
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits	965,791	977,424
Borrowed funds	50,562	54,200
Advance payments by borrowers for taxes and insurance	4,734	4,275
Other liabilities	5,200	9,803
Total liabilities	1,026,287	1,045,702
Commitments and contingencies (See Note 12)
Shareholders' equity:
Preferred stock, $.01 par value; 15,000,000 shares authorized	0	0
Common stock, $.01 par value; 85,000,000 shares authorized; 23,423,306 shares issued; 10,874,687 and 10,874,668 shares outstanding	234	234
Additional paid-in capital	187,260	187,030
Retained earnings	76,914	72,683
Treasury stock, at cost; 12,548,619 and 12,548,638 shares	(154,698)	(154,773)
Accumulated other comprehensive income (loss), net of tax	2,112	(1,926)
Total shareholders' equity	111,822	103,248
Total liabilities and shareholders' equity	$ 1,138,109	$ 1,148,950