CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (USD $)	Mar. 31, 2012	Dec. 31, 2011
Cash and due from banks:
Interest-bearing	$ 11,179,913	$ 9,167,235
Noninterest-bearing	7,251,542	8,237,847
Total cash and cash equivalents	18,431,455	17,405,082
Investments in certificates of deposit	3,431,000	3,631,000
Securities available-for-sale	67,665,690	67,966,957
Restricted equity securities	2,860,700	3,123,200
Loans receivable, net (less allowance for loan losses of $5,984,083 and $5,845,730)	313,069,308	311,377,863
Loans held for sale	1,138,350	1,657,813
Accrued interest receivable	1,593,419	1,622,767
Foreclosed real estate	986,521	1,749,986
Premises and equipment, net	11,504,795	11,574,092
Rental real estate	2,009,186	2,036,455
Deferred taxes	1,422,266	1,351,639
Bank-owned life insurance	6,078,358	6,023,572
Prepaid FDIC assessment	872,338	954,947
Prepaid expenses and other assets	2,105,604	1,990,644
Assets of discontinued operations	601,036	555,601
Total assets	433,770,026	433,021,618
LIABILITIES
Deposits	361,215,118	360,850,727
Borrowed funds	25,750,000	25,750,000
Advances from borrowers for taxes and insurance	1,198,640	2,069,176
Accrued expenses and other liabilities	4,040,823	2,226,318
Liabilities of discontinued operations	62,130	27,915
Total liabilities	392,266,711	390,924,136
STOCKHOLDERS' EQUITY
Preferred stock, $.01 par value, authorized 3,000,000 shares; no shares were issued or outstanding	0	0
Common stock ($.01 par value, authorized 15,500,000 shares; at March 31, 2012 and December 31, 2011 1,357,073 shares were issued and outstanding)	13,567	13,557
Additional paid-in capital	17,583,483	18,167,895
Retained earnings, substantially restricted	23,059,506	23,017,789
Accumulated other comprehensive income	846,759	898,241
Total stockholders' equity	41,503,315	42,097,482
Total liabilities and stockholders' equity	$ 433,770,026	$ 433,021,618