Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 4,000,592	$ 3,866,379
Items not requiring (providing) cash:
Deferred income taxes	797,859	794,155
Depreciation	565,966	619,530
Provision for loan losses	975,000	850,000
Gain on sale of loans and investment securities	(695,349)	(1,505,361)
Loss on foreclosed assets held for sale	42,706	80,957
Gain on sale of state low-income housing tax credits		(1,441,012)
Amortization of deferred income, premiums and discounts	566,323	480,426
Stock award plan expense	223,520	219,199
Origination of loans held for sale	(23,205,947)	(44,234,389)
Proceeds from sale of loans held for sale	24,446,459	47,131,305
Increase in cash surrender value of bank owned life insurance	(280,478)	(292,466)
Changes in:
Prepaid FDIC deposit insurance premiums		1,438,636
Accrued interest receivable	183,636	233,667
Prepaid expenses and other assets	748,462	575,992
Accounts payable and accrued expenses	55,407	336,470
Income taxes receivable	(405,120)	388,609
Net cash provided by operating activities	8,019,036	9,542,097
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	(3,338,525)	5,968,759
Principal payments on held-to-maturity securities	13,809	96,854
Principal payments on available-for-sale securities	7,148,661	8,840,250
Proceeds from calls/maturities of available-for-sale securities	3,151,000	9,000,000
Purchase of premises and equipment	(347,688)	(343,496)
Purchase of available-for-sale securities	(28,700,444)	(50,890,798)
Proceeds from sale of available-for-sale securities	21,258,655	24,628,847
Redemption of Federal Home Loan Bank stock		896,400
Purchase of Federal Home Loan Bank stock	(223,800)
Proceeds from sale of state low-income housing tax credits		1,441,012
Proceeds from sale of foreclosed assets held for sale	415,741	844,524
Net cash provided by (used in) investing activities	(622,591)	482,352
CASH FLOWS FROM FINANCING ACTIVITIES
Cash dividends paid on common stock	(215,329)
Net increase (decrease) in demand deposits, NOW and savings accounts	(11,905,037)	29,026,691
Net decrease in certificates of deposit	(4,163,231)	(18,317,426)
Net decrease of securities sold under agreements to repurchase		(15,000,000)
Proceeds from FHLB advances	6,800,000
Repayments of FHLB advances	(3,000,000)	(15,100,000)
Stock options exercised	210,870	9,408
Redemption of preferred stock	(12,000,000)
Repurchase of common stock warrants		(2,003,250)
Proceeds from issuance of common stock	15,814,312
Advances from borrowers for taxes and insurance	294,382	329,879
Cash dividends paid on preferred stock	(413,000)	(450,000)
Treasury stock purchased		(105,782)
Net cash used in financing activities	(8,577,033)	(21,610,480)
DECREASE IN CASH AND CASH EQUIVALENTS	(1,180,588)	(11,586,031)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	12,303,200	41,663,405
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 11,122,612	$ 30,077,374