CONSOLIDATED STATEMENTS OF EARNINGS (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Interest income
Loans	$ 3,743	$ 4,074
Mortgage-backed securities	59	41
Investment securities	751	869
Interest-earning deposits and other	89	97
Total interest income	4,642	5,081
Interest expense
Deposits	770	967
Borrowings	149	193
Total interest expense	919	1,160
Net interest income	3,723	3,921
Provision for losses on loans	200	55
Net interest income after provision for losses on loans	3,523	3,866
Other income
Rental	25	41
Gain (loss) on sale of real estate acquired through foreclosure	25	(3)
Gain on sale of loans	67	238
Gain on sale of investment securities designated as available for sale	440
Earnings on bank-owned life insurance	116	120
Service fee income	370	360
Other operating	11	191
Total other income	1,054	947
General, administrative and other expense
Employee compensation and benefits	1,474	1,683
Occupancy and equipment	378	404
Property, payroll and other taxes	293	368
Data processing	160	148
Legal and professional	231	215
Advertising	75	75
FDIC expense	117	108
ATM processing expense	88	89
Real estate owned impairment	196	101
Core deposit intangible amortization	47	65
Other operating	357	431
Total general, administrative and other expense	3,416	3,687
Earnings before federal income taxes	1,161	1,126
Federal income taxes
Current
Deferred	346	335
Total federal income taxes	346	335
NET EARNINGS	$ 815	$ 791
EARNINGS PER SHARE
Basic (in dollars per share)	$ 0.12	$ 0.11
Diluted (in dollars per share)	$ 0.12	$ 0.11
Dividends declared per share (in dollars per share)	$ 0.09	$ 0.09