Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 671,369	$ 429,947
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	342,063	372,692
Amortization Of Intangible Assets	12,501	12,501
Stock Option Compensation Expense	(12,089)	8,281
Discount Accretion And Premium Amortization	1,889,488	1,720,153
Provisions For Losses On Loans	1,145,381	1,950,000
Income From Bank Owned Life Insurance	(105,000)	(105,000)
Gain On Sales Of Loans	(184,788)	(143,158)
Gain On Sales Of Mortgage-Backed Securities	(384,051)	(209,362)
Gain On Sales Of Investment Securities	0	(325,598)
Loss On Sale Of Real Estate Owned	501	19,286
Write Down On Real Estate Owned	264,378	200,000
Amortization Of Deferred Fees On Loans	(3,369)	(2,845)
Proceeds From Sale Of Loans Held For Sale	9,596,054	10,842,803
Origination Of Loans Held For Sale	(6,902,708)	(7,740,325)
(Increase) Decrease In Accrued Interest Receivable:
Loans	71,882	125,079
Mortgage-Backed Securities	84,055	(22,344)
Investment Securities	(41,215)	245,526
Increase In Advance Payments By Borrowers	173,441	135,454
Other, Net	127,215	(1,030,572)
Net Cash Provided By Operating Activities	6,745,108	6,482,518
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase Of Mortgage-Backed Securities Available For Sale	(23,258,838)	(25,255,315)
Principal Repayments On Mortgage-Backed Securities Available For Sale	15,733,179	12,648,907
Purchase Of Mortgage-Backed Securities Held To Maturity	0	(4,334,682)
Principal Repayments On Mortgage-Backed Securities Held To Maturity	367,737	347,958
Purchase Of Investment Securities Available For Sale	(21,368,984)	(25,944,399)
Maturities Of Investment Securities Available For Sale	4,322,231	10,099,410
Purchase of Investment Securities Held To Maturity	(1,000,000)	(8,540,310)
Maturities Of Investment Securities Held To Maturity	2,288,499	3,240,074
Proceeds From Sale of Investment Securities Available For Sale	0	6,151,868
Proceeds From Sale of Mortgage-Backed Securities Available For Sale	20,946,735	7,352,190
Purchase Of FHLB Stock	(445,500)	0
Redemption Of FHLB Stock	1,400,906	0
Decrease In Loans Receivable	8,759,426	11,176,834
Capital Improvements To Repossessed Assets	0	(36,877)
Proceeds From Sale Of Repossessed Assets	2,276,298	523,243
Purchase And Improvement Of Premises And Equipment	(106,829)	(4,629)
Net Cash Provided (Used) By Investing Activities	9,914,860	(12,575,728)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase (Decrease) In Deposit Accounts	(1,812,188)	6,470,068
Proceeds From FHLB Advances	13,900,000	25,800,001
Repayment Of FHLB Advances	(26,004,249)	(24,304,166)
Repayments Of Other Borrowings, Net	88,925	6,654
Dividends To Preferred Stock Shareholders	(110,000)	(110,000)
Dividends To Common Stock Shareholders	(235,520)	(235,519)
Net Cash Provided (Used) By Financing Activities	(14,173,032)	7,627,038
Net Increase In Cash And Cash Equivalents	2,486,936	1,533,828
Cash And Cash Equivalents At Beginning Of Period	7,903,950	7,797,544
Cash And Cash Equivalents At End Of Period	10,390,886	9,331,372
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest	2,096,095	2,737,060
Income Taxes	10,419	1,247,160
Supplemental Schedule Of Non Cash Transactions:
Transfers From Loans Receivable To Other Real Estate Owned	2,278,659	1,205,375
Unrealized Gains (Losses) On Securities Available For Sale, Net Of Taxes	$ (911,573)	$ 448,971