Consolidated Statement of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
INTEREST INCOME
Loans, including fees	$ 3,209,477	$ 3,316,370	$ 9,698,516	$ 10,177,206
Securities:
Taxable	143,605	176,488	524,549	570,517
Tax-exempt	55,154	72,235	187,779	196,846
Federal funds sold	141	2,255	2,751	7,369
Interest -bearing deposit accounts	7,488	17,187	23,111	41,057
Total interest income	3,415,865	3,584,535	10,436,706	10,992,995
INTEREST EXPENSE
Deposits	705,026	855,684	2,171,147	2,509,457
Federal funds purchased	389		389
Securities sold under repurchase agreements	4,213	3,825	12,280	11,234
FHLB advances	141,813	150,972	423,660	746,758
Total interest expense	851,441	1,010,481	2,607,476	3,267,449
Net interest income	2,564,424	2,574,054	7,829,230	7,725,546
Provision for loan losses	680,000	165,000	1,322,685	385,000
Net interest income after provision for loan losses	1,884,424	2,409,054	6,506,545	7,340,546
NON-INTEREST INCOME
Income from fiduciary activities	164,914	145,218	482,756	448,705
Service charges and fees on deposit accounts	248,381	164,805	608,070	489,090
VISA-related fees	254,539	234,786	626,662	591,164
Other service charges and fees	233,001	205,853	677,796	576,883
Secondary market lending fees	177,003	51,368	375,898	108,073
Gains on sale of securities available for sale	454,944	7,341	957,760	130,924
Other real estate (losses)	(121,057)	(72,183)	(444,906)	(360,236)
Net gains (losses) on other assets		1,500	(4,906)	5,582
Other income	21,625	5,838	80,025	25,017
Total non-interest income	1,433,350	744,526	3,359,155	2,015,202
NON-INTEREST EXPENSES
Salaries and employee benefits	1,398,991	1,582,178	4,345,629	4,662,664
Occupancy expense	469,740	478,983	1,520,105	1,423,425
Bank franchise tax	42,990	36,780	128,970	110,340
VISA expense	207,707	217,005	515,811	511,840
Telephone expense	46,770	40,376	121,831	128,712
FDIC assessments	102,582	106,589	310,284	358,543
Debit card expense	57,373	56,357	173,222	151,638
Foreclosure property expense	54,062	32,838	159,848	128,486
Consulting expense	53,453	10,682	174,558	33,348
Other expense	565,531	559,639	1,869,403	1,587,282
Total non-interest expenses	2,999,199	3,121,427	9,319,661	9,096,278
Net income before income taxes	318,575	32,153	546,039	259,470
Income tax expense (benefit)	86,036	(22,820)	110,823	(10,875)
Net Income	$ 232,539	$ 54,973	$ 435,216	$ 270,345
Basic Earnings Per Share
Average basic shares outstanding	2,610,856	2,605,856	2,610,856	2,605,856
Earnings per share, basic	$ 0.09	$ 0.02	$ 0.17	$ 0.10
Diluted Earnings Per Share
Average diluted shares outstanding	2,612,258	2,605,856	2,612,684	2,605,856
Earnings per share, diluted	$ 0.09	$ 0.02	$ 0.17	$ 0.10