Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 3,866,379	$ 461,755
Items not requiring (providing) cash:
Deferred income taxes	794,155	(86,811)
Depreciation	619,530	537,986
Provision for loan losses	850,000	5,600,000
Gain on loans and investment securities	(1,505,361)	(1,481,717)
Loss on sale of foreclosed assets held for sale	80,957	1,211,718
Gain on sale of state low-income housing tax credits	(1,441,012)	(281,561)
Amortization of deferred income, premiums and discounts	480,426	470,945
Stock award plan expense	219,199	219,732
Origination of loans held for sale	(44,234,389)	(57,474,261)
Proceeds from sale of loans held for sale	47,131,305	58,155,072
Release of ESOP shares		129,213
Increase in cash surrender value of bank owned life insurance	(292,466)	(285,142)
Changes in:
Prepaid FDIC deposit insurance premiums	1,438,636	517,612
Accrued interest receivable	233,667	70,853
Prepaid expenses and other assets	575,992	584,054
Accounts payable and accrued expenses	336,470	247,274
Income taxes receivable	388,609	(596,444)
Net cash provided by operating activities	9,542,097	8,000,278
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	5,968,759	11,126,480
Principal payments on held-to-maturity securities	96,854	29,293
Principal payments on available-for-sale securities	8,840,250	10,607,814
Proceeds from maturities of available-for-sale securities	9,000,000	1,000,000
Purchase of premises and equipment	(343,496)	(471,155)
Purchase of available-for-sale securities	(50,890,798)	(53,279,303)
Proceeds from sale of available-for-sale securities	24,628,847	24,808,516
Proceeds from maturities of interest-bearing deposits		5,587,654
Redemption of Federal Home Loan Bank stock	896,400	41,400
Purchase of bank owned life insurance		(2,500,000)
Proceeds on sale of state low-income housing tax credits	1,441,012	281,561
Proceeds from sale of foreclosed assets held for sale	844,524	3,337,207
Net cash provided by investing activities	482,352	569,467
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW and savings accounts	29,026,691	10,680,780
Net decrease in certificates of deposit	(18,317,426)	(1,887,125)
Net decrease of securities sold under agreements to repurchase	(15,000,000)
Repayments of FHLB advances	(15,100,000)
Stock options exercised	9,408	12,388
Repayment of preferred stock		(5,000,000)
Repurchase of common stock warrants	(2,003,250)
Advances from borrowers for taxes and insurance	329,879	312,074
Cash dividends paid on preferred stock	(450,000)	(594,445)
Treasury stock purchased	(105,782)	(25,736)
Net cash provided by (used in) financing activities	(21,610,480)	3,497,936
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(11,586,031)	12,067,681
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	41,663,405	26,574,082
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 30,077,374	$ 38,641,763