Consolidated Balance Sheets (USD $)	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 4,367,132	$ 3,275,584
Interest-bearing deposits	17,198,251	14,735,892
Federal funds sold	2,521,431	4,727,084
Securities available for sale, at fair value	39,502,503	34,073,728
Restricted securities	2,222,900	2,358,500
Loans, net of allowance for loan losses of $3,323,877 and $3,230,677	234,310,544	244,142,325
Premises and equipment, net	12,328,905	12,697,447
Accrued interest receivable	1,134,128	1,159,924
Other real estate owned, net of valuation allowance	2,708,933	4,085,939
Goodwill	2,807,842	2,807,842
Other assets	2,545,757	3,021,300
Total assets	321,648,327	327,085,565
LIABILITIES
Noninterest-bearing deposits	45,796,134	44,960,718
Savings and interest-bearing demand deposits	108,858,629	103,908,863
Time deposits	116,895,696	111,984,418
Total deposits	271,550,459	260,853,999
Federal funds purchased and securities sold under repurchase agreements	5,390,085	7,598,021
Federal Home Loan Bank advances	15,000,000	30,000,000
Other liabilities	1,468,901	1,291,235
Commitments and contingencies
Total liabilities	293,409,445	299,743,255
SHAREHOLDERS' EQUITY
Common stock ($5 par value; authorized - 5,000,000 shares; outstanding - 2,605,856 and 2,605,856 shares, respectively)	13,029,280	13,029,280
Additional paid-in capital	4,975,601	4,965,460
Retained earnings	9,463,837	9,193,492
Accumulated other comprehensive income, net	770,164	154,078
Total shareholders' equity	28,238,882	27,342,310
Total liabilities and shareholders' equity	$ 321,648,327	$ 327,085,565