Consolidated Statements Of Income (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
INTEREST INCOME
Loans, including fees	$ 3,316,370	$ 3,562,909	$ 10,177,206	$ 10,801,263
Securities:
Taxable	176,488	221,794	570,517	699,626
Tax-exempt	72,235	66,791	196,846	251,011
Federal funds sold	2,255	3,058	7,369	5,527
Interest -bearing deposit accounts	17,187	14,078	41,057	35,559
Total interest income	3,584,535	3,868,630	10,992,995	11,792,986
INTEREST EXPENSE
Deposits	855,684	1,033,103	2,509,457	3,155,011
Federal funds purchased				131
Securities sold under repurchase agreements	3,825	4,271	11,234	10,280
FHLB advances	150,972	349,792	746,758	1,038,593
Total interest expense	1,010,481	1,387,166	3,267,449	4,204,015
Net interest income	2,574,054	2,481,464	7,725,546	7,588,971
Provision for loan losses	165,000	130,948	385,000	523,792
Net interest income after provision for loan losses	2,409,054	2,350,516	7,340,546	7,065,179
NON-INTEREST INCOME
Income from fiduciary activities	145,218	151,739	448,705	437,908
Service charges and fees on deposit accounts	164,805	157,090	489,090	474,206
VISA-related fees	234,786	246,537	591,164	605,591
Other service charges and fees	205,853	150,040	576,883	497,611
Secondary market lending fees	51,368	103,137	108,073	182,450
Gains on sale of securities available for sale	7,341	49,420	130,924	188,262
Other real estate gains (losses)	(72,183)	(253,590)	(360,236)	(221,329)
Other income	7,338	1,348	30,599	6,440
Total non-interest income	744,526	605,721	2,015,202	2,171,139
NON-INTEREST EXPENSES
Salaries and employee benefits	1,582,178	1,477,158	4,662,664	4,463,665
Occupancy expense	478,983	497,722	1,423,425	1,498,893
Bank franchise tax	36,780	41,115	110,340	123,345
VISA expense	217,005	209,947	511,840	503,446
Telephone expense	40,376	48,273	128,712	138,488
FDIC assessments	106,589	148,501	358,543	416,761
Other expense	659,516	551,970	1,900,754	1,815,875
Total non-interest expenses	3,121,427	2,974,686	9,096,278	8,960,473
Net income (loss) before income taxes	32,153	(18,449)	259,470	275,845
Income tax (benefit)	(22,820)	(40,090)	(10,875)	(23,236)
Net income	$ 54,973	$ 21,641	$ 270,345	$ 299,081
Basic Earnings Per Share
Average basic shares outstanding	2,605,856	2,605,856	2,605,856	2,605,856
Earnings per share, basic	$ 0.02	$ 0.01	$ 0.10	$ 0.11
Diluted Earnings Per Share
Average diluted shares outstanding	2,605,856	2,605,856	2,605,856	2,605,856
Earnings per share, diluted	$ 0.02	$ 0.01	$ 0.10	$ 0.11