Condensed Consolidated Statements of Cash Flows (June 30, 2012 and 2011 Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 1,178,843	$ 1,312,504
Items not requiring (providing) cash:
Deferred income taxes	(491,976)	(418,644)
Depreciation	331,454	338,285
Provision for loan losses	3,000,000	1,900,000
Gain on loans and investment securities	(944,514)	(646,133)
Loss on foreclosed assets held for sale	191,522	230,803
Amortization of deferred income, premiums and discounts	319,991	298,965
Stock award plan expense	179,676	151,428
Origination of loans held for sale	(35,836,771)	(21,501,910)
Proceeds from sale of loans held for sale	37,661,818	22,542,767
Release of ESOP shares	87,213	66,746
Increase in cash surrender value of bank owned life insurance	(181,776)	(158,415)
Changes in:
Prepaid FDIC deposit insurance premiums	407,862	487,371
Accrued interest receivable	(37,764)	498,250
Prepaid expenses and other assets	350,888	(565,296)
Accounts payable and accrued expenses	(23,470)	476,342
Income taxes receivable	469,829
Net cash provided by operating activities	6,662,825	5,013,063
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	3,168,345	1,320,664
Principal payments on held-to-maturity securities	20,359	24,762
Principal payments on available-for-sale securities	6,369,983	6,299,171
Proceeds from maturities of available-for-sale securities	1,000,000	13,150,000
Purchase of premises and equipment	(313,496)	(300,697)
Purchase of available-for-sale securities	(46,523,089)	(27,576,346)
Proceeds from sale of available-for-sale securities	17,369,774	5,402,980
Proceeds from maturities of interest-bearing deposits	5,587,654	7,197,346
Redemption of Federal Home Loan Bank stock	41,400	65,800
Purchase of bank owned life insurance	(2,500,000)
Purchase of tax credit investments		(842,086)
Capitalized costs on foreclosed assets held for sale		(102,804)
Proceeds from sale of foreclosed assets held for sale	2,083,622	2,256,988
Net cash provided by (used in) investing activities	(13,695,448)	6,895,778
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW and savings accounts	14,689,686	13,404,970
Net decrease in certificates of deposit	(2,917,711)	(9,032,309)
Stock options exercised	12,388
Repayment of preferred stock	(5,000,000)
Advances from borrowers for taxes and insurance	216,149	223,151
Cash dividends paid on preferred stock	(444,444)	(425,000)
Treasury stock purchased	(25,736)	(53,229)
Net cash provided by financing activities	6,530,332	4,117,583
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(502,291)	16,026,424
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	26,574,082	14,145,329
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 26,071,791	$ 30,171,753