Consolidated Statements of Income (USD $)	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Interest and Dividend Income
Loans receivable	$ 52,728,405	$ 59,952,037	$ 65,864,742
Investment securities	8,127,356	6,911,692	5,628,312
Federal Home Loan Bank stock	405,862	349,404	310,589
Deposits with financial institutions	91,423	184,813	48,665
Total interest and dividend income	61,353,046	67,397,946	71,852,308
Interest Expense
Deposits	16,014,818	18,288,902	20,870,515
Federal Home Loan Bank advances	3,186,036	5,985,611	8,762,340
Other interest expense	833,018	920,090	991,472
Total interest expense	20,033,872	25,194,603	30,624,327
Net Interest Income	41,319,174	42,203,343	41,227,981
Provision for loan losses	13,100,000	7,050,000	6,500,000
Net Interest Income After Provision for Loan Losses	28,219,174	35,153,343	34,727,981
Other Income
Service fee income	6,987,052	7,228,873	7,457,642
Net realized gain (loss) on sales of available-for-sale securities	2,048,484	(52,705)	754,990
Commissions	3,691,467	3,844,869	3,046,798
Equity in gains (losses) of limited partnerships	(383,510)	(510,066)	108,081
Net gains on sales of loans	2,723,111	2,275,283	2,377,222
Net servicing fees (expenses)	(73,092)	138,683	244,807
Increase in cash value of life insurance	1,420,245	1,555,948	1,573,096
Loss on sale of other real estate and repossessed assets	(425,629)	(1,012,034)	(1,181,450)
Other-than-temporary losses on securities
Total other-than-temporary losses	(723,338)	(2,078,382)	(5,335,121)
Portion of loss recognized in other comprehensive income (before taxes)	529,896	1,237,103	2,779,828
Net impairment losses recognized in earnings	(193,442)	(841,279)	(2,555,293)
Other income	215,743	451,336	146,359
Total other income	16,010,429	13,078,908	11,972,252
Other Expenses
Salaries and employee benefits	21,690,375	21,078,463	23,046,656
Net occupancy expenses	2,385,420	2,502,742	2,802,258
Equipment expenses	1,888,897	1,902,928	1,780,267
Data processing fees	1,528,746	1,568,953	1,510,194
Advertising and promotion	1,458,408	1,223,825	1,529,744
Automated teller machine expense	1,013,902	1,168,695	1,094,893
Deposit Insurance	1,490,838	1,831,049	2,262,697
Professional fees	1,641,233	1,140,560	1,291,389
Software subscriptions and maintenance	1,300,606	1,554,267	1,378,329
Other real estate and repossessed assets	941,812	924,205	843,732
Other expenses	5,076,023	5,108,832	5,785,596
Total other expenses	40,416,260	40,004,519	43,325,755
Income Before Income Tax	3,813,343	8,227,732	3,374,478
Income tax expense	329,000	1,676,000	211,000
Net Income	3,484,343	6,551,732	3,163,478
Preferred stock dividends and accretion	2,114,961	1,803,064	1,803,064
Net Income Available to Common Shareholders	$ 1,369,382	$ 4,748,668	$ 1,360,414
Earnings Per Share
Basic	$ 0.20	$ 0.69	$ 0.20
Diluted	$ 0.20	$ 0.69	$ 0.20