CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest income:
Loans receivable	$ 4,479,035	$ 5,141,320	$ 13,837,868	$ 15,988,721
Securities and cash deposits	507,877	335,154	1,444,540	869,374
Interest income	4,986,912	5,476,474	15,282,408	16,858,095
Interest expense:
Deposits	1,097,864	1,344,400	3,531,080	4,029,366
Borrowed funds	236,856	597,899	932,935	1,899,492
Interest expense	1,334,720	1,942,299	4,464,015	5,928,858
Net interest income	3,652,192	3,534,175	10,818,393	10,929,237
Provision for loan losses	350,000	168,000	1,135,000	2,578,000
Net interest income after provision for loan losses	3,302,192	3,366,175	9,683,393	8,351,237
Noninterest income:
Fees and service charges	1,247,141	1,266,139	3,627,806	3,559,002
Abstract fees	141,193	175,187	424,698	481,871
Mortgage banking income	247,421	350,701	471,488	591,656
Loan prepayment fees	1,904	2,273	15,359	29,477
Other income	322,943	403,768	894,897	1,074,966
Total noninterest income	1,960,602	2,198,068	5,434,248	5,736,972
Investment securities gains (losses), net:
Total other-than-temporary impairment losses	0	0	0	0
Portion of loss recognized in other comprehensive income (loss) before taxes	0	0	0	0
Net impairment losses recognized in earnings	0	0	0	0
Realized securities gains (losses), net	85,614		115,655	7,652
Total securities gains (losses), net	85,614	0	115,655	7,652
Noninterest expense:
Compensation and employee benefits	2,033,066	1,928,708	5,823,421	5,698,440
Premises and equipment	438,977	460,204	1,386,763	1,445,629
Data processing	218,950	217,465	651,850	660,445
FDIC insurance expense	95,635	135,248	353,707	419,078
Foreclosed real estate impairment	64,251	7,147	453,422	323,605
Other expenses	1,148,464	1,138,599	3,607,424	3,296,100
Total noninterest expense	3,999,343	3,887,371	12,276,587	11,843,297
Income (loss) before income taxes	1,349,065	1,676,872	2,956,709	2,252,564
Provision for (benefit from) income taxes	325,000	511,900	694,600	588,000
Net income	1,024,065	1,164,972	2,262,109	1,664,564
Preferred stock dividends and accretion of discount	132,482	132,230	397,253	396,508
Net income (loss) available to common stockholders	$ 891,583	$ 1,032,742	$ 1,864,856	$ 1,268,056
Basic earnings (loss) per share (in dollars per share)	$ 0.66	$ 0.77	$ 1.38	$ 0.94
Dilluted earnings (loss) per share (in dollars per share)	$ 0.65	$ 0.76	$ 1.37	$ 0.94
Dividends declared per common share (in dollars per share)	$ 0.01	$ 0.01	$ 0.03	$ 0.03