CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED) (USD $)	Sep. 30, 2011	Dec. 31, 2010
CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED) (Parenthetical) [Abstract]
Cash	$ 2,955,938	$ 2,968,669
Interest-bearing deposits in other financial institutions	43,987,436	11,176,660
Cash and cash equivalents	46,943,374	14,145,329
Interest-bearing deposits	5,587,654	12,785,000
Available-for-sale securities	82,513,839	96,844,653
Held-to-maturity securities	227,224	260,956
Stock in Federal Home Loan Bank, at cost	3,846,900	5,025,200
Mortgage loans held for sale	1,989,176	2,685,163
Loans receivable, net of allowance for loan losses of September 30, 2011 - $13,557,076 - December 31, 2010 - $13,082,703	483,676,462	501,980,385
Accrued interest receivable:
Loans	1,835,574	2,058,576
Investments and interest-bearing deposits	406,017	611,698
Prepaid expenses and other assets	7,478,224	6,161,861
Prepaid FDIC deposit insurance premiums	2,271,548	2,977,356
Foreclosed assets held for sale	9,321,083	10,539,867
Premises and equipment	11,230,799	11,324,685
Bank owned life insurance	10,689,790	10,449,630
Deferred income taxes	4,659,040	4,817,761
Total Assets	672,676,704	682,668,120
LIABILITIES
Deposits	492,663,249	480,694,273
Federal Home Loan Bank advances	68,050,000	93,050,000
Securities sold under agreements to repurchase	39,750,000	39,750,000
Subordinated debentures	15,465,000	15,465,000
Advances from borrowers for taxes and insurance	443,818	134,002
Accrued expenses and other liabilities	1,163,629	655,404
Accrued interest payable	602,840	878,675
Total Liabilities	618,138,536	630,627,354
COMMITMENTS AND CONTINGENCIES	0	0
Capital Stock:
Series A preferred stock, $0.01 par value; authorized 2,000,000 shares; issued and outstanding September 30, 2011 and December 31, 2010 - 17,000 shares	16,357,022	16,150,350
Common stock, $0.10 par value; authorized 10,000,000 shares; issued September 30, 2011 and December 31, 2010 - 6,779,800 shares;	677,980	677,980
Common stock warrants; September 30, 2011 and December 31, 2010 - 459,459 shares	1,377,811	1,377,811
Additional paid-in capital	58,347,814	58,505,046
Unearned ESOP shares	(261,930)	(432,930)
Retained earnings, substantially restricted	37,430,877	35,746,914
Accumulated other comprehensive income
Unrealized appreciation on available-for-sale securities, net of income taxes	2,232,410	1,843,004
Stockholders Equity before Treasury Stock	116,161,984	113,868,175
Treasury stock, at cost; September 30, 2011 and December 31, 2010 - 4,072,156 and 4,080,220 shares, respectively	(61,623,816)	(61,827,409)
Stockholders Equity Attributable to Patent	54,538,168	52,040,766
Liabilities and Equity	$ 672,676,704	$ 682,668,120