Consolidated Statements Of Income (USD $)	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010
INTEREST INCOME
Loans, including fees	$ 13,428,760	$ 14,286,657
Securities:
Taxable	763,177	906,674
Tax-exempt	277,558	316,707
Federal funds sold	8,923	7,862
Interest-bearing deposit accounts	51,204	49,228
Total interest income	14,529,622	15,567,128
INTEREST EXPENSE
Deposits	3,302,061	4,101,264
Federal funds purchased	389	131
Securities sold under repurchase agreements	14,593	14,860
FHLB advances	889,230	1,388,386
Total interest expense	4,206,273	5,504,641
Net interest income	10,323,349	10,062,487
Provision for loan losses	495,000	720,214
Net interest income after provision for loan losses	9,828,349	9,342,273
NON-INTEREST INCOME
Income from fiduciary activities	592,396	587,159
Service charges and fees on deposit accounts	663,317	664,012
VISA-related fees	794,559	802,662
Other service charges and fees	803,260	668,068
Secondary market lending fees	212,616	285,720
Gains on sale of securities available for sale	336,171	188,286
Other real estate (losses)	(435,219)	(264,267)
Net gains (losses) on other investments	(26,536)	1,500
Other income	23,698	23,062
Total non-interest income	2,964,262	2,956,202
NON-INTEREST EXPENSES
Salaries and employee benefits	6,357,346	5,977,859
Occupancy expense	1,894,459	1,968,072
Bank franchise tax	127,099	156,213
Visa expense	684,655	665,850
Telephone expense	167,822	182,707
FDIC assessments	464,665	566,277
Debit card expense	202,813	156,740
Foreclosure property expense	160,827	133,153
Defalcation expense	246,204
Other expense	2,160,580	2,159,962
Total non-interest expenses	12,466,470	11,966,833
Net income before income taxes	326,141	331,642
Income tax (benefit)	(24,001)	(40,627)
Net income	$ 350,142	$ 372,269
Basic Earnings Per Share
Average basic shares outstanding	2,607,034	2,605,855
Earnings per share, basic	$ 0.13	$ 0.14
Diluted Earnings Per Share
Average diluted shares outstanding	2,607,097	2,605,855
Earnings per share, diluted	$ 0.13	$ 0.14