Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Interest Income:
Loans	$ 5,584,886	$ 6,591,610
Mortgage-Backed Securities	1,361,176	1,772,204
Investment Securities	755,871	586,977
Other	2,336	784
Total Interest Income	7,704,269	8,951,575
Interest Expense:
NOW And Money Market Accounts	232,088	357,973
Statement Savings Accounts	11,064	10,510
Certificate Accounts	739,875	1,123,178
FHLB Advances And Other Borrowed Money	983,105	1,171,487
Senior Convertible Debentures	121,680	121,680
Junior Subordinated Debentures	25,810	29,093
Total Interest Expense	2,113,622	2,813,921
Net Interest Income	5,590,647	6,137,654
Provision For Loan Losses	1,145,381	1,950,000
Net Interest Income After Provision For Loan Losses	4,445,266	4,187,654
Non-Interest Income:
Gain On Sale Of Investment Securities	384,051	534,960
Gain On Sale Of Loans	184,788	143,158
Service Fees On Deposit Accounts	263,831	277,264
Commissions From Insurance Agency	140,313	118,170
Trust Income	135,000	126,000
Bank Owned Life Insurance Income	105,000	105,000
Check Card Fee Income	195,193	198,323
Grant Income	416,000	0
Other	120,806	111,612
Total Non-Interest Income	1,944,982	1,614,487
General And Administrative Expenses:
Compensation And Employee Benefits	2,821,375	2,740,079
Occupancy	475,314	443,530
Advertising	107,643	77,307
Depreciation And Maintenance Of Equipment	439,172	428,726
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	167,722	138,821
Amortization Of Intangibles	12,501	12,501
Net Cost Of Operation Of Other Real Estate Owned	396,369	411,704
Other	1,092,788	872,201
Total General And Administrative Expenses	5,512,884	5,124,869
Income Before Income Taxes	877,364	677,272
Provision For Income Taxes	205,995	247,325
Net Income	671,369	429,947
Preferred Stock Dividends	110,000	110,000
Net Income Available To Common Shareholders	$ 561,369	$ 319,947
Net Income Per Common Share (Basic) (in usd per share)	$ 0.19	$ 0.11
Net Income Per Common Share (Diluted) (in usd per share)	$ 0.19	$ 0.11
Cash Dividend Per Share On Common Stock (in usd per share)	$ 0.08	$ 0.08
Weighted Average Shares Outstanding (Basic) (in shares)	2,944,001	2,944,001
Weighted Average Shares Outstanding (Diluted) (in shares)	2,944,001	2,944,001