Consolidated Statements of Operations (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
INTEREST INCOME
Loans, including fees	$ 4,185,757	$ 4,521,370	$ 8,329,701	$ 9,160,175
Investment securities	618,255	621,108	1,085,261	1,189,780
Federal funds sold & other earning assets	13,341	17,325	28,428	28,328
Total interest income	4,817,353	5,159,803	9,443,390	10,378,283
INTEREST EXPENSE
Time deposits	634,961	1,011,776	1,334,055	2,064,225
Other deposits	133,459	99,936	254,702	192,548
Federal funds purchased and securities sold under agreements to repurchase	23,074	33,712	55,304	64,715
Federal Home Loan Bank advances and other borrowings	425,737	545,413	886,944	1,125,071
Total interest expense	1,217,231	1,690,837	2,531,005	3,446,559
Net interest income before provision for loan losses	3,600,122	3,468,966	6,912,385	6,931,724
Provision for loan losses	0	15,000	0	30,000
Net interest income after provision for loan losses	3,600,122	3,453,966	6,912,385	6,901,724
NONINTEREST INCOME
Customer service fees	207,164	225,263	404,598	440,714
Net gains from sale of securities	0	47,742	0	47,742
Net gains from sale of loans and other assets	26,246	21,517	75,910	55,544
Other noninterest income	18,612	21,531	38,900	41,810
Total noninterest income	252,022	316,053	519,408	585,810
NONINTEREST EXPENSE
Salaries and employee benefits	1,569,555	1,501,836	3,160,690	3,044,538
Net occupancy and equipment expense	347,928	350,280	683,741	756,614
Depository insurance	206,866	241,505	409,649	564,160
Foreclosed assets, net	480,755	716,505	631,075	1,078,075
Other operating expenses	818,255	847,281	1,612,336	1,630,635
Total noninterest expenses	3,423,359	3,657,407	6,497,491	7,074,022
Income before provision for income taxes	428,785	112,612	934,302	413,512
Provision (benefit) for income taxes	118,200	(28,675)	267,200	19,950
Net income	310,585	141,287	667,102	393,562
Preferred stock dividend requirements	280,031	118,013	545,887	211,088
Accretion on preferred stock discount	15,241	9,000	29,709	9,000
Net income available to common shareholders	$ 15,313	$ 14,274	$ 91,506	$ 173,474
EARNINGS PER COMMON SHARE
Basic (in dollars per share)	$ 0.00	$ 0.00	$ 0.01	$ 0.02
Diluted (in dollars per share)	$ 0.00	$ 0.00	$ 0.01	$ 0.02
DIVIDENDS DECLARED PER COMMON SHARE	$ 0	$ 0	$ 0	$ 0