Condensed Consolidated Statements of Cash Flows (September 30, 2012 and 2011 Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 461,755	$ 2,528,134
Items not requiring (providing) cash:
Deferred income taxes	(86,811)	(69,978)
Depreciation	537,986	500,413
Provision for loan losses	5,600,000	2,800,000
Gain on loans and investment securities	(1,481,717)	(1,098,685)
Loss on sale of foreclosed assets held for sale	1,211,718	214,896
Gain on sale of state low-income housing tax credits	(281,561)
Amortization of deferred income, premiums and discounts	470,945	365,404
Stock award plan expense	219,732	175,761
Origination of loans held for sale	(57,474,261)	(36,262,395)
Proceeds from sale of loans held for sale	58,155,072	37,858,921
Release of ESOP shares	129,213	94,830
Increase in cash surrender value of bank owned life insurance	(285,142)	(240,160)
Changes in:
Prepaid FDIC deposit insurance premiums	517,612	705,808
Accrued interest receivable	70,853	428,683
Prepaid expenses and other assets	584,054	(366,277)
Accounts payable and accrued expenses	247,274	232,390
Income taxes receivable	(596,444)
Net cash provided by operating activities	8,000,278	7,867,745
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	11,126,480	11,960,663
Principal payments on held-to-maturity securities	29,293	33,732
Principal payments on available-for-sale securities	10,607,814	10,662,491
Proceeds from maturities of available-for-sale securities	1,000,000	26,775,000
Purchase of premises and equipment	(471,155)	(406,527)
Purchase of available-for-sale securities	(53,279,303)	(32,577,705)
Proceeds from sale of available-for-sale securities	24,808,516	9,971,546
Proceeds from maturities of interest-bearing deposits	5,587,654	7,197,346
Redemption of Federal Home Loan Bank stock	41,400	1,178,300
Purchase of bank owned life insurance	(2,500,000)
Purchase of tax credit investments		(950,086)
Proceeds on sale of state low-income housing tax credits	281,561
Capitalized costs on foreclosed assets held for sale		(102,804)
Proceeds from sale of foreclosed assets held for sale	3,337,207	4,600,281
Net cash provided by investing activities	569,467	38,342,237
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW and savings accounts	10,680,780	30,325,056
Net decrease in certificates of deposit	(1,887,125)	(18,356,080)
Repayments of FHLB advances		(25,000,000)
Stock options exercised	12,388
Repayment of preferred stock	(5,000,000)
Advances from borrowers for taxes and insurance	312,074	309,816
Cash dividends paid on preferred stock	(594,445)	(637,499)
Treasury stock purchased	(25,736)	(53,230)
Net cash provided by (used in) financing activities	3,497,936	(13,411,937)
INCREASE IN CASH AND CASH EQUIVALENTS	12,067,681	32,798,045
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	26,574,082	14,145,329
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 38,641,763	$ 46,943,374