Consolidated Statement of Income (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
INTEREST INCOME
Loans, including fees	$ 3,264,259	$ 3,422,673	$ 6,489,039	$ 6,860,836
Securities:
Taxable	180,011	188,895	380,944	394,029
Tax-exempt	62,031	60,161	132,625	124,611
Federal funds sold	1,244	2,142	2,610	5,114
Interest -bearing deposit accounts	8,561	14,810	15,623	23,870
Total interest income	3,516,106	3,688,681	7,020,841	7,408,460
INTEREST EXPENSE
Deposits	716,967	833,092	1,466,121	1,653,773
Securities sold under repurchase agreements	5,146	4,011	8,067	7,409
FHLB advances	140,923	253,598	281,847	595,786
Total interest expense	863,036	1,090,701	1,756,035	2,256,968
Net interest income	2,653,070	2,597,980	5,264,806	5,151,492
Provision for loan losses	546,661	165,000	642,685	220,000
Net interest income after provision for loan losses	2,106,409	2,432,980	4,622,121	4,931,492
NON-INTEREST INCOME
Income from fiduciary activities	157,688	149,054	317,842	303,487
Service charges and fees on deposit accounts	192,826	158,029	359,689	324,285
VISA-related fees	212,654	193,420	372,123	356,378
Other service charges and fees	255,685	205,435	444,795	371,030
Secondary market lending fees	121,687	18,817	198,895	56,705
Gains on sale of securities available for sale	493,955	125,259	502,816	123,583
Other real estate (losses)	(255,796)	(170,277)	(323,849)	(288,053)
Net (losses) gain on other assets			(4,906)	4,082
Other income	30,076	16,061	58,400	19,179
Total non-interest income	1,208,775	695,798	1,925,805	1,270,676
NON-INTEREST EXPENSES
Salaries and employee benefits	1,384,469	1,548,310	2,946,638	3,080,486
Occupancy expense	546,034	479,328	1,050,365	944,442
Bank franchise tax	42,990	36,780	85,980	73,560
VISA expense	176,944	167,698	308,104	294,835
Telephone expense	33,737	45,283	75,061	88,336
FDIC assessments	103,851	104,856	207,702	251,954
Debit card expense	60,445	47,837	115,849	95,281
Foreclosure property expense	62,532	53,083	105,786	95,649
Other expense	795,302	553,240	1,424,977	1,050,308
Total non-interest expenses	3,206,304	3,036,415	6,320,462	5,974,851
Net income before income taxes	108,880	92,363	227,464	227,317
Income tax	11,830	5,727	24,787	11,945
Net Income	$ 97,050	$ 86,636	$ 202,677	$ 215,372
Basic Earnings Per Share
Average basic shares outstanding	2,610,856	2,605,856	2,610,856	2,605,856
Earnings per share, basic	$ 0.04	$ 0.03	$ 0.08	$ 0.08
Diluted Earnings Per Share
Average diluted shares outstanding	2,613,877	2,605,856	2,612,816	2,605,856
Earnings per share, diluted	$ 0.04	$ 0.03	$ 0.08	$ 0.08