Consolidated Balance Sheet (USD $)	Sep. 30, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks	$ 14,579,593	$ 4,728,895
Interest-bearing deposits	10,439,404	10,369,075
Federal funds sold	182,007	2,136,375
Securities available for sale, at fair value	31,262,020	41,799,121
Restricted securities	1,584,700	1,991,200
Loans, net of allowance for loan losses of $3,337,664 and $3,188,541	239,488,487	233,501,281
Premises and equipment, net	11,780,140	12,300,274
Accrued interest receivable	1,005,306	1,161,191
Other real estate owned, net of valuation allowance	3,205,788	2,279,935
Goodwill	2,807,842	2,807,842
Other assets	1,901,777	2,136,907
Total assets	318,237,064	315,212,096
LIABILITIES
Noninterest-bearing deposits	46,851,845	43,803,349
Savings and interest-bearing demand deposits	108,981,477	105,269,889
Time deposits	112,171,274	116,444,867
Total deposits	268,004,596	265,518,105
Federal funds purchased and securities sold under repurchase agreements	6,028,593	5,277,158
Federal Home Loan Bank advances	15,000,000	15,000,000
Other liabilities	1,179,142	1,402,049
Total liabilities	290,212,331	287,197,312
SHAREHOLDERS' EQUITY
Common stock ($5 par value; authorized - 5,000,000 shares; outstanding - 2,610,856 shares)	13,054,280	13,054,280
Additional paid-in capital	4,974,456	4,971,531
Retained earnings	9,978,850	9,543,634
Accumulated other comprehensive income, net	17,147	445,339
Total shareholders' equity	28,024,733	28,014,784
Total liabilities and shareholders' equity	$ 318,237,064	$ 315,212,096