Consolidated Statements of Income (unaudited) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST INCOME
Loans, including fees	$ 3,154,348	$ 3,224,780
Securities:
Taxable	123,691	200,933
Tax-exempt	56,361	70,594
Federal funds sold	35	1,366
Interest-bearing deposit accounts	18,144	7,062
Total interest income	3,352,579	3,504,735
INTEREST EXPENSE
Deposits	630,538	749,154
Securities sold under repurchase agreements	3,903	2,921
FHLB advances	139,200	140,924
Total interest expense	773,641	892,999
Net interest income	2,578,938	2,611,736
Provision for loan losses	83,000	96,024
Net interest income after provision for loan losses	2,495,938	2,515,712
NON-INTEREST INCOME
Income from fiduciary activities	165,249	160,154
Service charges and fees on deposit accounts	274,546	166,863
VISA-related fees	179,598	159,469
Other service charges and fees	233,457	189,110
Secondary market lending fees	132,286	77,208
Gains on sale of securities available for sale	2,941	8,861
Net (losses) on other assets		(4,906)
Other income	11,774	28,324
Total non-interest income	999,851	785,083
NON-INTEREST EXPENSES
Salaries and employee benefits	1,730,320	1,562,169
Occupancy expense	499,105	504,331
Bank franchise tax	43,935	42,990
VISA expense	154,442	131,160
Telephone expense	49,263	41,324
FDIC assessments	103,469	103,851
Debit card expense	17,961	55,404
Foreclosure property expense	23,249	43,254
Other real estate losses	14,090	68,053
Consulting expense	16,469	66,079
Other expense	630,530	563,596
Total non-interest expenses	3,282,833	3,182,211
Net income before income taxes	212,956	118,584
Income tax expense	72,865	12,957
Net income	$ 140,091	$ 105,627
Basic Earnings Per Share
Average basic shares outstanding	4,813,812	2,610,856
Earnings per share, basic	$ 0.03	$ 0.04
Diluted Earnings Per Share
Average diluted shares outstanding	4,816,490	2,612,206
Earnings per share, diluted	$ 0.03	$ 0.04