Consolidated Statements Of Income (USD $)	3 Months Ended			6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010		Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME
Loans, including fees	$ 3,422,673	$ 3,630,664		$ 6,860,836	$ 7,238,354
Securities:
Taxable	188,895	233,064		394,029	477,832
Tax-exempt	60,161	79,899		124,611	184,220
Federal funds sold	2,142	1,406		5,114	2,469
Interest -bearing deposit accounts	14,810	11,126		23,870	21,481
Total interest income	3,688,681	3,956,159		7,408,460	7,924,356
INTEREST EXPENSE
Deposits	833,092	1,050,214		1,653,773	2,121,908
Federal funds purchased		131			131
Securities sold under repurchase agreements	4,011	3,203		7,409	6,009
FHLB advances	253,598	346,613		595,786	688,801
Total interest expense	1,090,701	1,400,161		2,256,968	2,816,849
Net interest income	2,597,980	2,555,998		5,151,492	5,107,507
Provision for loan losses	165,000	196,422		220,000	392,844
Net interest income after provision for loan losses	2,432,980	2,359,576		4,931,492	4,714,663
NON-INTEREST INCOME
Income from fiduciary activities	149,054	140,961		303,487	286,169
Service charges and fees on deposit accounts	158,029	162,909		324,285	317,116
VISA-related fees	193,420	207,893		356,378	359,054
Other service charges and fees	205,435	182,815		371,030	347,571
Secondary market lending fees	18,817	29,720		56,705	79,313
Gains on sale of securities available for sale	125,259	137,416		123,583	138,842
Other real estate gains (losses)	(170,277)			(288,053)	32,261
Other income	16,061	2,927		23,261	5,092
Total non-interest income	695,798	864,641		1,270,676	1,565,418
NON-INTEREST EXPENSES
Salaries and employee benefits	1,548,310	1,488,970		3,080,486	2,986,507
Occupancy expense	479,328	478,788		944,442	1,001,171
Bank franchise tax	36,780	41,115		73,560	82,230
VISA expense	167,698	174,667		294,835	293,499
Telephone expense	45,283	42,024		88,336	90,215
FDIC assessments	104,856	162,027		251,954	268,260
Other expense	654,160	678,150		1,241,238	1,263,905
Total non-interest expenses	3,036,415	3,065,741		5,974,851	5,985,787
Net income before income taxes	92,363	158,476		227,317	294,294
Income tax	5,727	16,312		11,945	16,854
Net income	$ 86,636	$ 142,164		$ 215,372	$ 277,440
Basic Earnings Per Share
Average basic shares outstanding	2,605,856	2,605,856	[1]	2,605,856	2,605,856	[1]
Earnings per share, basic	$ 0.03	$ 0.05		$ 0.08	$ 0.11
Diluted Earnings Per Share
Average diluted shares outstanding	2,605,856	2,605,856	[1]	2,605,856	2,605,856	[1]
Earnings per share, diluted	$ 0.03	$ 0.05		$ 0.08	$ 0.11

[1] Adjusted for a 1-for-25 stock dividend on August 27, 2010.