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Consolidated Statements of Cash Flows (USD $)
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Cash Flows From Operating Activities    
Net income $ 140,091 $ 105,627
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation 187,305 194,031
Net amortization and accretion of securities 100,682 62,859
Provision for loan losses 83,000 96,024
Stock-based compensation 118,703 2,193
Deferred income tax (benefit) (3,762)  
(Gain) on securities available-for-sale (2,941) (8,861)
Increase in OREO valuation allowance 16,090 14,100
(Gain) loss on sale of other real estate (2,000) 53,953
Loss on disposal of fixed assets   4,906
Decrease in accrued income and other assets 148,435 13,894
(Decrease) increase in other liabilities (142,281) 94,742
Net cash provided by operating activities 643,322 633,468
Cash Flows From Investing Activities    
Proceeds from maturities and principal paydowns of available-for-sale securities 616,482 1,364,846
Proceeds from sales and calls of available-for-sale securities 1,095,250 2,326,850
Purchases of available-for-sale securities (3,491,508) (1,935,039)
Sales of restricted securities 66,800  
Decrease (increase) in interest bearing deposits in other banks 6,333,452 (6,285,892)
(Increase) in federal funds sold (820,685) (108,770)
Loan (originations) and principal collections, net 3,693,838 (5,585,242)
Proceeds from sale of other real estate 2,000 261,086
(Purchases) of premises and equipment (112,843) (63,640)
Net cash provided by (used in) investing activities 7,382,785 (10,025,801)
Cash Flows From Financing Activities    
(Decrease) increase in demand, savings, and other interest-bearing deposits (4,799,365) 9,401,757
Net (decrease) in time deposits (2,679,732) (809,691)
Net increase in securities sold under repurchase agreements 1,777,461 982,089
Net cash provided by (used in) financing activities (5,701,636) 9,574,155
Net increase in cash and due from banks 2,324,471 181,822
Cash and due from banks at beginning of period 4,757,889 4,728,895
Cash and due from banks at end of period 7,082,360 4,910,717
Supplemental Schedule of Cash Flow Information    
Interest paid 777,759 888,164
Income taxes paid 53,137  
Unrealized gain (loss) on investment securities (76,603) (117,350)
Loans transferred to other real estate owned $ 526,160 $ 309,857