Consolidated Balance Sheets (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010
Assets
Cash and cash equivalents	$ 26,724	$ 20,981
Securities available for sale:
Mortgage-backed and related securities (amortized cost $25,410 and $32,036)	26,780	33,506
Other marketable securities (amortized cost $107,616 and $118,631)	107,467	118,058
Total securities available for sale	134,247	151,564
Loans held for sale	1,075	2,728
Loans receivable, net	601,787	664,241
Accrued interest receivable	2,932	3,311
Real estate, net	21,868	16,382
Federal Home Loan Bank stock, at cost	5,574	6,743
Mortgage servicing rights, net	1,520	1,586
Premises and equipment, net	8,925	9,450
Prepaid expenses and other assets	2,722	3,632
Deferred tax asset, net	0	0
Total assets	807,374	880,618
Liabilities and Stockholders' Equity
Deposits	647,115	683,230
Federal Home Loan Bank advances and Federal Reserve borrowings	85,000	122,500
Accrued interest payable	898	1,092
Customer escrows	730	818
Accrued expenses and other liabilities	6,060	3,431
Total liabilities	739,803	811,071
Commitments and Contingencies
Stockholders' equity:
Serial preferred stock ($.01 par value): authorized 500,000 shares; issued shares 26,000	24,517	24,264
Common stock ($.01 par value): authorized 11,000,000; issued shares 9,128,662	91	91
Additional paid-in capital	53,607	56,420
Retained earnings, subject to certain restrictions	53,313	55,838
Accumulated other comprehensive income	865	541
Unearned employee stock ownership plan shares	(3,287)	(3,384)
Treasury stock, at cost 4,740,711 and 4,818,263 shares	(61,535)	(64,223)
Total stockholders' equity	67,571	69,547
Total liabilities and stockholders' equity	$ 807,374	$ 880,618