Condensed Consolidated Statements of Financial Condition (September 30, 2013 Unaudited) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Cash	$ 8,150,691	$ 3,360,102
Interest-bearing deposits in other financial institutions	21,926,683	38,303,303
Cash and cash equivalents	30,077,374	41,663,405
Available-for-sale securities	105,870,922	101,980,644
Held-to-maturity securities	84,188	181,042
Stock in Federal Home Loan Bank, at cost	2,909,100	3,805,500
Mortgage loans held for sale	1,108,314	2,843,757
Loans receivable, net of allowance for loan losses of September 30, 2013 - $8,472,838 - December 31, 2012 - $8,740,325	458,486,044	465,531,973
Accrued interest receivable:
Loans	1,500,552	1,674,814
Investments and interest-bearing deposits	321,150	380,555
Prepaid expenses and other assets	5,652,181	6,228,173
Prepaid FDIC deposit insurance premiums		1,438,636
Foreclosed assets held for sale	3,875,903	4,529,727
Premises and equipment, net	11,010,376	11,286,410
Bank owned life insurance	13,949,946	13,657,480
Income taxes receivable	521,565	910,174
Deferred income taxes	5,135,420	4,319,928
	640,503,035	660,432,218
LIABILITIES
Deposits	510,723,980	500,014,715
Federal Home Loan Bank advances	52,950,000	68,050,000
Securities sold under agreements to repurchase	10,000,000	25,000,000
Subordinated debentures	15,465,000	15,465,000
Advances from borrowers for taxes and insurance	482,746	152,867
Accrued expenses and other liabilities	954,644	481,382
Accrued interest payable	262,892	399,684
	590,839,262	609,563,648
COMMITMENTS AND CONTINGENCIES
Capital Stock:
Series A preferred stock, $0.01 par value; authorized 2,000,000 shares; issued and outstanding at September 30, 2013 and December 31, 2012 - 12,000 shares	11,935,162	11,789,276
Common stock, $0.10 par value; authorized 10,000,000 shares; issued September 30, 2013 and December 31, 2012 - 6,783,603 and 6,781,803 shares, respectively	678,360	678,180
Common stock warrants; December 31, 2012 - 459,459 shares		1,377,811
Additional paid-in capital	57,619,722	58,267,529
Retained earnings, substantially restricted	42,594,785	39,324,292
Accumulated other comprehensive income (loss)
Unrealized appreciation (depreciation) on available-for-sale securities, net of income taxes	(1,939,925)	800,826
	110,888,104	112,237,914
Treasury stock, at cost; September 30, 2013 and December 31, 2012 - 4,051,172 and 4,056,862 shares, respectively	(61,224,331)	(61,369,344)
	49,663,773	50,868,570
	$ 640,503,035	$ 660,432,218