CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME:
Interest and fees on loans	$ 3,852	$ 4,183	$ 7,783	$ 8,501
Interest on investment securities	2,117	1,654	4,115	3,092
Dividends on equity securities	60	78	122	152
Interest on federal funds sold and interest-earning deposits	5	9	13	17
Total interest and dividend income	6,034	5,924	12,033	11,762
INTEREST EXPENSE:
Core deposits	349	538	806	1,069
Time deposits	537	659	1,108	1,357
Borrowings	133	279	263	607
Note payable	2	0	4	0
Total interest expense	1,021	1,476	2,181	3,033
NET INTEREST INCOME	5,013	4,448	9,852	8,729
Provision for loan losses	550	300	950	700
Net interest income after provision for loan losses	4,463	4,148	8,902	8,029
INVESTMENT GAINS (LOSSES):
Total other-than-temporary impairment losses	(108)	(61)	(286)	(1,051)
Portion of loss recognized in OCI (before taxes)	27	0	0	0
Net impairment losses	(81)	(61)	(286)	(1,051)
Net gains on sale of securities, net	97	442	78	751
Changes in fair value of trading securities	393	(863)	823	(724)
Total investment gains (losses)	409	(482)	615	(1,024)
NON-INTEREST INCOME:
Commissions and fees on sales of non-banking products	5,084	4,435	10,029	9,097
Other operating income	1,222	1,271	2,314	2,438
Total non-interest income	6,306	5,706	12,343	11,535
NON-INTEREST EXPENSES:
Compensation and employee benefits	5,793	5,196	11,380	10,433
Occupancy expenses, net	1,204	1,251	2,418	2,525
Other operating expense	1,784	1,815	3,788	3,583
Total non-interest expenses	8,781	8,262	17,586	16,541
INCOME BEFORE INCOME TAXES	2,397	1,110	4,274	1,999
Provision for income taxes	637	233	1,037	429
NET INCOME	1,760	877	3,237	1,570
Less: net income attributable to noncontrolling interest	64	63	128	128
NET INCOME attributable to Oneida Financial Corp.	$ 1,696	$ 814	$ 3,109	$ 1,442
EARNINGS PER SHARE - BASIC	$ 0.24	$ 0.11	$ 0.44	$ 0.20
EARNINGS PER SHARE - DILUTED	$ 0.24	$ 0.11	$ 0.44	$ 0.20