Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 952,653	$ 834,722
Items not requiring (providing) cash:
Deferred income taxes	291,082	78,243
Depreciation	190,529	172,206
Provision for loan losses	400,000	900,000
Gain on loans and investment securities	(520,734)	(399,883)
Loss on sale of foreclosed assets	28,668	126,123
Amortization of deferred income, premiums and discounts	125,496	(9,256)
Stock award plan expense	151,813	142,351
Origination of loans held for sale	(14,924,339)	(16,156,200)
Proceeds from sale of loans held for sale	16,885,696	17,825,983
Release of ESOP shares		41,858
Increase in cash surrender value of bank owned life insurance	(98,773)	(81,378)
Changes in:
Prepaid FDIC deposit insurance premiums	133,005	206,473
Accrued interest receivable	129,378	125,676
Prepaid expenses and other assets	138,150	141,808
Accounts payable and accrued expenses	339,037	(13,813)
Income taxes receivable	(58,300)	91,925
Net cash provided by operating activities	4,163,361	4,026,838
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	13,045,066	17,164,343
Principal payments on available-for-sale securities	3,288,268	3,243,419
Principal payments on held-to-maturity securities	44,692	9,992
Proceeds from maturities of available-for-sale securities	9,000,000	1,000,000
Purchase of premises and equipment	(105,148)	(171,961)
Purchase of available-for-sale securities	(25,537,986)	(28,758,430)
Proceeds from sale of available-for-sale securities	7,269,770	9,213,301
Purchase of bank owned life insurance		(2,500,000)
Proceeds from maturities of interest-bearing deposits		5,587,654
Redemption of FHLB stock	671,900
Proceeds from sale of foreclosed assets held for sale	798,893	805,593
Net cash provided by investing activities	8,475,455	5,593,911
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW accounts and savings accounts	14,086,253	6,381,502
Net decrease in certificates of deposit	(10,456,751)	(6,746,712)
Repayments of FHLB advances	(15,100,000)
Advances from borrowers for taxes and insurance	98,837	97,273
Preferred cash dividends paid	(150,000)	(212,500)
Treasury stock purchased	(85,589)	(5,718)
Net cash used in financing activities	(11,607,250)	(486,155)
INCREASE IN CASH AND CASH EQUIVALENTS	1,031,566	9,134,594
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	41,663,405	26,574,082
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 42,694,971	$ 35,708,676