Consolidated Statements of Income (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST INCOME
Loans, including fees	$ 4,141,736	$ 4,143,944
Securities and interest-bearing deposits at other financial institutions	439,906	467,006
Federal funds sold	21,472	15,087
Total interest income	4,603,114	4,626,037
INTEREST EXPENSE
Time deposits	465,256	699,094
Other deposits	137,930	121,243
Federal funds purchased and securities sold under agreements to repurchase	18,080	32,230
Federal Home Loan Bank advances and other borrowings	340,439	461,207
Total interest expense	961,705	1,313,774
Net interest income before provision for loan losses	3,641,409	3,312,263
Provision for loan losses	300,000	0
Net interest income after provision for loan losses	3,341,409	3,312,263
NONINTEREST INCOME
Customer service fees	188,481	197,434
Other noninterest income	17,818	20,288
Net gains from sale of loans and other assets	149,200	49,664
Total noninterest income	355,499	267,386
NONINTEREST EXPENSES
Salaries and employee benefits	1,597,291	1,591,135
Net occupancy and equipment expense	337,879	335,813
Depository insurance	159,844	202,783
Foreclosed assets, net	128,692	150,320
Other operating expenses	752,174	794,081
Total noninterest expenses	2,975,880	3,074,132
Income before income tax expense	721,028	505,517
Income tax expense	268,900	149,000
Net income	452,128	356,517
Preferred stock dividend requirements	375,000	265,856
Accretion on preferred stock discount	17,845	14,468
Net income available to common stockholders	$ 59,283	$ 76,193
EARNINGS PER COMMON SHARE
Basic (in dollars per share)	$ 0.01	$ 0.01
Diluted (in dollars per share)	$ 0.01	$ 0.01
DIVIDENDS DECLARED PER COMMON SHARE	$ 0	$ 0