Consolidated Statements of Income (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
INTEREST INCOME
Loans, including fees	$ 4,293,583	$ 4,241,492	$ 12,514,688	$ 12,571,193
Investment securities	457,299	478,172	1,379,322	1,563,433
Federal funds sold & other earning assets	9,510	15,647	45,515	44,075
Total interest income	4,760,392	4,735,311	13,939,525	14,178,701
INTEREST EXPENSE
Time deposits	445,397	612,286	1,365,993	1,946,341
Other deposits	117,327	144,157	386,791	398,859
Federal funds purchased and securities sold under agreements to repurchase	21,435	21,889	56,258	77,193
Federal Home Loan Bank advances and other borrowings	284,882	394,066	941,269	1,281,010
Total interest expense	869,041	1,172,398	2,750,311	3,703,403
Net interest income before provision for loan losses	3,891,351	3,562,913	11,189,214	10,475,298
Provision for loan losses	0	100,000	300,000	100,000
Net interest income after provision for loan losses	3,891,351	3,462,913	10,889,214	10,375,298
NONINTEREST INCOME
Customer service fees	218,304	197,509	608,087	602,107
Net gains from sale of securities	0	0	424,971	0
Net gains from sale of loans and other assets	39,164	48,199	240,746	124,109
Other noninterest income	12,500	12,944	48,968	51,844
Total noninterest income	269,968	258,652	1,322,772	778,060
NONINTEREST EXPENSE
Salaries and employee benefits	1,619,030	1,566,359	4,838,822	4,727,049
Net occupancy and equipment expense	333,850	354,555	1,011,335	1,038,296
Depository insurance	161,956	236,927	482,920	682,830
Foreclosed assets, net	381,847	314,088	1,308,995	945,163
Other operating expenses	967,888	731,090	2,500,107	2,307,172
Total noninterest expenses	3,464,571	3,203,019	10,142,179	9,700,510
Income before provision for income taxes	696,748	518,546	2,069,807	1,452,848
Provision for income taxes	268,200	154,300	793,100	421,500
Net income	428,548	364,246	1,276,707	1,031,348
Preferred stock dividend requirements	375,000	308,893	1,125,000	854,780
Accretion on preferred stock discount	17,845	16,370	53,535	46,079
Net income available to common shareholders	$ 35,703	$ 38,983	$ 98,172	$ 130,489
EARNINGS PER COMMON SHARE
Basic (in dollars per share)	$ 0.01	$ 0.01	$ 0.01	$ 0.02
Diluted (in dollars per share)	$ 0.01	$ 0.01	$ 0.01	$ 0.02
DIVIDENDS DECLARED PER COMMON SHARE (in dollars per share)	$ 0	$ 0	$ 0	$ 0