Consolidated Statements of Cash Flows (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Cash Flows From Operating Activities
Net income	$ 992,206	$ 435,216
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	567,144	588,678
Net amortization and accretion of securities	295,348	196,708
Provision for loan losses	566,000	1,322,685
Stock-based compensation	122,428	2,925
Deferred income tax benefit	(7,259)
Gain on securities available-for-sale	(283,706)	(957,760)
Impairment loss on securities available-for-sale	120,000
Increase in OREO valuation allowance	248,641	221,734
Loss on sale of other real estate	245,230	223,172
(Gain) loss on disposal of fixed assets	(165,068)	4,906
Loan originations for sale to FNMA	(19,118,613)	(15,813,400)
Loan sales to FNMA	19,691,104	13,923,081
Gain on loans sold to FNMA	(334,991)	(247,081)
(Increase) decrease in accrued income and other assets	(843,219)	314,257
Increase (decrease) in other liabilities	880,667	(2,323)
Net cash provided by operating activities	2,975,912	212,798
Cash Flows From Investing Activities
Proceeds from maturities and principal paydowns of available-for-sale securities	2,774,338	2,651,986
Proceeds from sales and calls of available-for-sale securities	9,432,875	15,225,843
Purchase of bank owned life insurance	(5,000,000)
Purchases of available-for-sale securities	(17,198,766)	(7,228,452)
(Purchases) sales of restricted securities	(38,650)	406,500
Decrease (increase) in overnight funds in other banks	22,139,814	(70,329)
(Increase) decrease in federal funds sold	(449,179)	1,954,368
Loan originations and principal collections, net	(13,018,316)	(7,184,585)
Proceeds from sale of other real estate	1,075,899	718,094
Net sales (purchases) of premises and equipment	325,208	(73,451)
Net cash provided by investing activities	43,223	6,399,974
Cash Flows From Financing Activities
Increase in demand, savings, and other interest-bearing deposits	4,005,742	6,760,084
Net decrease in time deposits	(7,216,427)	(4,273,593)
Net increase in securities sold under repurchase agreements	2,970,671	751,435
Net cash (used in) provided by financing activities	(240,014)	3,237,926
Net increase in cash and due from banks	2,779,121	9,850,698
Cash and due from banks at beginning of period	4,757,889	4,728,895
Cash and due from banks at end of period	7,537,010	14,579,593
Cash paid for:
Interest	2,159,229	2,617,304
Income taxes	211,943	109,961
Non-cash investing and financing:
Unrealized loss on investment securities	(1,605,639)	(648,776)
Change in fair value of pension and post-retirement obligation
Loans transferred to other real estate owned	2,312,627	2,012,095
Changes in deferred taxes resulting from OCI transactions	$ 545,918	$ 220,504