CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (unaudited) (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010
Assets:
Cash and due from banks	$ 1,860	$ 1,490
Short-term investments	4,920	1,808
Total cash and cash equivalents	6,780	3,298
Securities available for sale, at fair value	6,420	7,219
Securities held to maturity, at amortized cost	2,730	3,202
Federal Home Loan Bank stock, at cost	3,111	3,111
Loans held for sale	237	685
Loans, net of allowance for loan losses of $1,660,000 at June 30, 2011 and $1,651,000 at December 31, 2010	172,846	178,524
Premises and equipment, net	3,911	3,961
Accrued interest receivable	711	777
Bank-owned life insurance	2,646	2,597
Prepaid FDIC insurance	421	514
Other assets	1,113	1,127
Total assets	200,926	205,015
Liabilities
Deposits	151,200	151,463
Securities sold under agreements to repurchase	422	491
Short-term Federal Home Loan Bank advances	3,000	3,500
Long-term Federal Home Loan Bank advances	25,152	28,182
Mortgagors' escrow accounts	588	598
Accrued expenses and other liabilities	1,038	1,612
Total liabilities	181,400	185,846
Commitments and contingencies	0	0
Stockholders' equity:
Preferred stock, $0.10 par value per share: 1,000,000 shares authorized; none outstanding	0	0
Common stock, $0.10 par value per share: 10,000,000 shares authorized; 2,777,250 shares issued	278	278
Additional paid-in capital	11,495	11,424
Retained earnings	9,311	8,999
Accumulated other comprehensive income	103	120
Unearned compensation - ESOP (32,693 and 36,789 shares unallocated at June 30, 2011 and December 31, 2010, respectively)	(327)	(368)
Unearned compensation - Restricted stock (36,552 and 24,000 shares non-vested at June 30, 2011 and December 31, 2010, respectively)	(198)	(100)
Treasury stock, at cost (133,347 and 138,863 shares at June 30, 2011 and December 31, 2010, respectively)	(1,136)	(1,184)
Total stockholders' equity	19,526	19,169
Total liabilities and stockholders' equity	$ 200,926	$ 205,015