CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,262,109	$ 1,664,564
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	1,135,000	2,578,000
Depreciation	631,888	692,495
Amortization and accretion	266,069	174,491
Deferred taxes	355,000	(373,000)
Stock-based compensation	44,736	42,945
(Gain) on sale of foreclosed real estate and loans, net	(457,707)	(572,142)
Write-down of other real estate owned	453,422	323,605
(Gain) on sale of investments	(115,655)	(7,652)
Increase in value of bank-owned life insurance	(178,552)	(183,564)
Proceeds from sales of loans held-for-sale	24,170,240	30,991,488
Originations of loans held-for-sale	(23,836,294)	(29,835,087)
Change in assets and liabilities:
Accrued interest receivable	132,175	114,688
Prepaid expenses and other assets	787,597	531,720
Accrued expenses and other liabilities	155,970	(1,611,140)
Net cash provided by operating activities	5,805,998	4,531,411
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	23,510,824	31,641,392
Purchase of investments in certificates of deposit	(1,988,000)	(16,473,000)
Proceeds from maturities on investments in certificates of deposits	10,101,000	2,193,000
Purchase of securities available-for-sale	(32,153,829)	(29,481,954)
Proceeds from sale of securities available-for-sale	3,379,805	207,732
Proceeds from maturities and calls of securities available-for-sale	10,730,752	10,576,962
Purchase of restricted equity securities	(1,426,700)	0
Proceeds from redemption of restricted equity securities	1,013,300	717,600
Purchase of premises, equipment and rental real estate	(589,853)	(319,236)
Net proceeds from sale of foreclosed real estate	4,080,820	939,177
Net cash provided by investing activities	16,658,119	1,673
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	(2,807,870)	14,334,681
Net (decrease) in advances from borrowers for taxes and insurance	(876,476)	(989,956)
Proceeds from other borrowed funds	3,000,000	0
Payments of other borrowed funds	(25,000,000)	(18,000,000)
Common and preferred dividends paid	(423,080)	(422,983)
Net cash (used in) financing activities	(26,107,426)	(5,078,258)
Net decrease in cash	(3,643,309)	(545,174)
Beginning	20,603,808	21,766,170
Ending	16,960,499	21,220,996
Cash payments for:
Interest	4,579,876	6,032,399
Income taxes	9,162	1,584,693
SUPPLEMENTAL DISCLOSURE OF NONCASH OPERATING, INVESTING AND FINANCING ACTIVITIES
Transfers from loans to other real estate owned	$ 1,331,270	$ 3,268,407