CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 126,535	$ 690,232
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	150,000	300,000
Depreciation	208,720	216,416
Amortization and accretion	128,172	57,242
Deferred taxes	(40,000)	120,000
Stock-based compensation expense	15,598	14,055
Gain on sale of foreclosed real estate and loans, net	(260,776)	(81,350)
Foreclosed real estate impairment	30,789	71,538
Increase in value of bank-owned life insurance	(54,786)	(58,102)
Proceeds from sales of loans held-for-sale	10,351,333	6,273,106
Originations of loans held-for-sale	(9,607,293)	(6,054,869)
Change in assets and liabilities:
Accrued interest receivable	29,348	48,673
Prepaid expenses and other assets	(40,802)	158,664
Accrued expenses and other liabilities	1,771,590	(95,085)
Net cash provided by operating activities	2,808,428	1,660,520
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	(2,114,521)	11,752,590
Proceeds from redemption of restricted equity securities	284,800	500,300
Purchase of restricted equity securities	(22,300)	0
Proceeds from maturities on investments in certificates of deposits	200,000	4,275,000
Proceeds from maturities and calls of securities available-for-sale	2,926,605	3,857,898
Purchase of securities available-for-sale	(2,827,419)	(10,233,887)
Purchase of premises, equipment and rental real estate	(123,189)	(175,040)
Net proceeds from sale of foreclosed real estate	1,013,665	1,838,301
Net cash provided by (used in) investing activities	(662,359)	11,815,162
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	364,391	17,593,333
Net decrease in advances from borrowers for taxes and insurance	(870,536)	(855,905)
Repurchase of common stock warrant	(600,000)	0
Payments of other borrowed funds	0	(10,000,000)
Common and preferred dividends paid	(13,551)	(154,529)
Net cash provided by (used in) financing activities	(1,119,696)	6,582,899
Net increase in cash	1,026,373	20,058,581
CASH AND DUE FROM BANKS
Beginning	17,405,082	20,603,808
Ending	18,431,455	40,662,389
Cash payments for:
Interest	1,102,017	1,630,573
Income taxes	230,708	3,065
SUPPLEMENTAL DISCLOSURE OF NONCASH OPERATING, INVESTING AND FINANCING ACTIVITIES
Transfers from loans to other real estate owned	$ 238,927	$ 674,430