Consolidated Statements of Income (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
INTEREST INCOME
Loans, including fees	$ 12,617,422	$ 12,972,848
Securities:
Taxable	447,935	644,790
Tax-exempt	325,805	238,023
Federal funds sold	607	2,849
Interest-bearing deposit accounts	56,529	32,292
Total interest income	13,448,298	13,890,802
INTEREST EXPENSE
Deposits	2,368,262	2,854,331
Federal funds purchased	398	389
Securities sold under repurchase agreements	15,949	16,075
FHLB advances	449,700	566,072
Total interest expense	2,834,309	3,436,867
Net interest income	10,613,989	10,453,935
Provision for loan losses	776,000	1,894,685
Net interest income after provision for loan losses	9,837,989	8,559,250
NON-INTEREST INCOME
Income from fiduciary activities	697,707	648,706
Service charges and fees on deposit accounts	1,076,393	895,236
VISA-related fees	830,235	827,670
Other service charges and fees	1,129,820	892,719
Secondary market lending fees (refer to Note 2)	1,163,978	684,605
Bank owned life insurance income	129,281
Net gains on sale of securities available-for-sale	283,706	957,760
Loss on securities with other-than-temporary impairment	(288,000)
Other real estate losses	(563,457)	(736,606)
Net gains (losses) on fixed assets	164,850	(4,906)
Other income	101,340	327,234
Total non-interest income	4,725,853	4,492,418
NON-INTEREST EXPENSES
Salaries and employee benefits	6,413,632	5,702,656
Occupancy expense	1,331,269	1,375,642
Software maintenance	505,146	608,368
Bank franchise tax	170,538	156,756
VISA expense	707,602	680,988
Telephone expense	195,987	169,177
FDIC assessments	397,402	407,814
Foreclosure property expense	124,164	186,161
Consulting expense	221,555	323,957
Other expense	2,875,512	2,531,915
Total non-interest expenses	12,942,807	12,143,434
Net income before income taxes	1,621,035	908,234
Income tax expense	399,129	210,472
Net income	$ 1,221,906	$ 697,762
Basic Earnings Per Share
Average basic shares outstanding	4,816,859	2,610,856
Earnings per share, basic	$ 0.25	$ 0.27
Diluted Earnings Per Share
Average diluted shares outstanding	4,819,343	2,612,787
Earnings per share, diluted	$ 0.25	$ 0.27