CONSOLIDATED CONDENSED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (USD $)	Jun. 30, 2011	Dec. 31, 2010
Cash and due from banks:
Interest-bearing	$ 8,882,679	$ 13,563,234
Noninterest-bearing	6,469,119	7,040,574
Total cash and due from banks	15,351,798	20,603,808
Investments in certificates of deposit	8,359,000	12,689,000
Securities available-for-sale	71,537,150	48,435,771
Federal Home Loan Bank stock, at cost	2,199,100	3,017,200
Loans receivable	320,921,205	340,607,428
Allowance for loan losses	(5,872,458)	(6,146,861)
Loans receivable, net	315,048,747	334,460,567
Loans held for sale	1,245,214	332,178
Accrued interest receivable	1,672,761	1,754,292
Foreclosed real estate	1,892,247	4,586,399
Premises and equipment, net	11,457,323	11,498,583
Rental real estate	2,089,405	2,144,400
Title plant	671,704	671,704
Deferred taxes	1,492,210	2,151,594
Bank-owned life insurance	5,905,466	5,787,864
Prepaid FDIC assessment	1,114,376	1,353,121
Prepaid expenses and other assets	2,592,697	2,777,185
Total assets	442,629,198	452,263,666
LIABILITIES
Deposits	357,567,252	349,832,904
Borrowed funds	30,250,000	49,250,000
Advances from borrowers for taxes and insurance	1,897,537	1,828,430
Accrued expenses and other liabilities	2,101,143	2,177,042
Total liabilities	391,815,932	403,088,376
STOCKHOLDERS' EQUITY
Preferred stock, $.01 par value, authorized 3,000,000 shares; 10,200 shares were issued and outstanding	10,147,152	10,137,381
Common stock, $.01 par value, authorized 15,500,000 shares; at June 30, 2011 and at December 31, 2010 1,355,073 and 1,351,448 shares were issued and outstanding	13,519	13,502
Additional paid-in capital	18,095,558	18,066,437
Retained earnings, substantially restricted	21,993,503	21,047,295
Accumulated other comprehensive income (loss)	563,534	(89,325)
Total stockholders' equity	50,813,266	49,175,290
Total liabilities and stockholders' equity	$ 442,629,198	$ 452,263,666