Consolidated Balance Sheets (Unaudited) (USD $)	Mar. 31, 2013	Dec. 31, 2012
ASSETS:
Cash And Cash Equivalents	$ 10,390,886	$ 7,903,950
Certificates Of Deposit With Other Banks	1,729,015	1,728,567
Investment And Mortgage-Backed Securities:
Available For Sale: (Amortized Cost Of $345,275,616 And $342,936,153 At March 31, 2013 And December 31, 2012, Respectively)	355,401,361	354,916,216
Held To Maturity: (Fair Value Of $77,376,402 And $79,671,886 At March 31, 2013 And December 31, 2012, Respectively)	74,196,803	76,072,262
Total Investments And Mortgage-Backed Securities	429,598,164	430,988,478
Loans Receivable, Net:
Held For Sale	2,262,202	4,770,760
Held For Investment: (Net Of Allowance Of $11,105,226 and $11,318,371 At March 31, 2013 And December 31, 2012, Respectively)	380,754,963	392,935,060
Total Loans Receivable, Net	383,017,165	397,705,820
Accrued Interest Receivable:
Loans	1,170,190	1,242,072
Mortgage-Backed Securities	817,368	901,423
Investment Securities	1,172,477	1,131,262
Total Accrued Interest Receivable	3,160,035	3,274,757
Premises And Equipment, Net	17,682,663	17,917,897
Federal Home Loan Bank (FHLB) Stock, At Cost	5,223,294	6,178,700
Repossessed Assets Acquired In Settlement Of Loans	6,491,907	6,754,425
Bank Owned Life Insurance	11,240,305	11,151,305
Intangible Assets, Net	49,473	61,974
Goodwill	1,199,754	1,199,754
Other Assets	5,937,889	5,488,960
Total Assets	875,720,550	890,354,587
Liabilities:
Deposit Accounts	674,526,465	676,338,653
Advances From FHLB	93,152,933	105,257,182
Other Borrowings	9,406,169	9,317,244
Junior Subordinated Debentures	5,155,000	5,155,000
Advance Payments By Borrowers For Taxes And Insurance	362,865	189,424
Senior Convertible Debentures	6,084,000	6,084,000
Other Liabilities	5,276,559	5,420,600
Total Liabilities	793,963,991	807,762,103
Shareholders' Equity:
Serial Preferred Stock, $.01 Par Value; Authorized 200,000 Shares; Issued And Outstanding, 22,000 Shares At March 31, 2013 And December 31, 2012, Respectively	22,000,000	22,000,000
Common Stock, $.01 Par Value; Authorized 5,000,000 Shares; Issued 3,144,934 Shares At March 31, 2013 And At December 31, 2012	31,449	31,449
Warrant Issued In Conjunction With Serial Preferred Stock	400,000	400,000
Additional Paid-In Capital	11,618,628	11,630,717
Treasury Stock, At Cost (200,933 Shares At March 31, 2013 And December 31, 2012, Respectively)	(4,330,712)	(4,330,712)
Accumulated Other Comprehensive Income	6,281,625	7,431,310
Retained Earnings	45,755,569	45,429,720
Total Shareholders' Equity	81,756,559	82,592,484
Total Liabilities And Shareholders' Equity	$ 875,720,550	$ 890,354,587