CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 834,722	$ 522,962
Items not requiring (providing) cash:
Deferred income taxes	78,243	36,126
Depreciation	172,206	177,507
Provision for loan losses	900,000	900,000
Gain on loans and investment securities	(399,883)	(281,904)
Loss on sale of foreclosed assets	126,123	51,769
Amortization of deferred income, premiums and discounts	(9,256)	(9,346)
Stock award plan expense	142,351	125,766
Origination of loans held for sale	(16,156,200)	(10,525,511)
Proceeds from sale of loans held for sale	17,825,983	13,208,374
Release of ESOP shares	41,858	32,501
Increase in cash surrender value of bank owned life insurance	(81,378)	(79,804)
Changes in:
Prepaid FDIC deposit insurance premiums	206,473	264,881
Accrued interest receivable	125,676	500,357
Prepaid expenses and other assets	141,808	141,333
Accounts payable and accrued expenses	(13,813)	(215,744)
Income taxes receivable	91,925	0
Net cash provided by operating activities	4,026,838	4,849,267
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	17,164,343	8,022,272
Principal payments on available-for-sale securities	3,243,419	3,812,706
Principal payments on held-to-maturity securities	9,992	14,873
Proceeds from maturities of available-for-sale securities	1,000,000	10,500,000
Purchase of premises and equipment	(171,961)	(148,266)
Purchase of available-for-sale securities	(28,758,430)	(17,142,280)
Proceeds from sales of available-for-sale securities	9,213,301	737,277
Proceeds from maturities of interest bearing deposits	5,587,654	7,197,346
Purchase of tax credit investments	0	(911,957)
Capitalized costs on foreclosed assets held for sale	0	(85,586)
Proceeds from sale of foreclosed assets held for sale	805,593	746,633
Net cash provided by investing activities	5,593,911	12,743,018
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW accounts and savings accounts	6,381,502	11,773,317
Net decrease in certificates of deposit	(6,746,712)	(2,661,027)
Advances from borrowers for taxes and insurance	97,273	97,448
Preferred cash dividends paid	(212,500)	(212,500)
Treasury stock purchased	(5,718)	(45,572)
Net cash provided by (used in) financing activities	(486,155)	8,951,666
INCREASE IN CASH AND CASH EQUIVALENTS	9,134,594	26,543,951
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	26,574,082	14,145,329
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 35,708,676	$ 40,689,280