CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $) In Thousands, unless otherwise specified	Mar. 31, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks	$ 14,309	$ 10,665
Federal funds sold	41,265	50,457
Total cash and cash equivalents	55,574	61,122
Securities available-for-sale, at fair value	626	613
Securities held-to-maturity, at cost (fair value $68,309 and $80,607 at March 31, 2012 and December 31, 2011, respectively)	62,353	73,852
Federal Home Loan Bank stock, at cost	4,277	4,489
Loans, net of allowance for loan losses ($4,448 at March 31, 2012 and $4,576 at December 31, 2011)	449,550	443,471
Loans held for sale	1,604	1,635
Other real estate owned	901	913
Mortgage servicing rights	385	344
Bank owned life insurance	13,523	13,427
Premises and equipment, net	9,818	9,853
Accrued interest and dividends receivable	1,562	1,527
Deferred income tax asset	2,888	2,893
FDIC prepaid insurance	730	824
Other assets	1,270	1,343
Total assets	605,061	616,306
Deposits
Non-interest-bearing	63,378	68,799
Interest-bearing	385,239	384,578
Total deposits	448,617	453,377
Securities sold under agreements to repurchase	9,883	12,340
Advances from Federal Home Loan Bank	56,373	59,265
Accrued expenses and other liabilities	445	542
Total liabilities	515,318	525,524
Stockholders' equity
Common stock (no par value, 20,000,000 shares authorized, 7,439,368 shares issued at March 31, 2012 and December 31, 2011)	72,479	72,479
Treasury stock, at cost (1,831,654 shares at March 31, 2012 and 1,703,065 shares at December 31, 2011)	(24,039)	(22,190)
Additional paid-in-capital	2,939	2,800
Unearned compensation (restricted stock awards)	(354)	(546)
Unearned compensation (Employee Stock Ownership Plan)	(4,092)	(4,166)
Retained earnings	42,805	42,408
Accumulated other comprehensive income (loss)	5	(3)
Total stockholders' equity	89,743	90,782
Total liabilities and stockholders' equity	$ 605,061	$ 616,306