Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Interest Income:
Loans	$ 5,524,185	$ 6,086,191	$ 11,109,071	$ 12,677,801
Mortgage-Backed Securities	1,221,271	1,764,712	2,582,447	3,536,916
Investment Securities	932,545	622,536	1,688,416	1,209,513
Other	1,707	1,966	4,043	2,750
Total Interest Income	7,679,708	8,475,405	15,383,977	17,426,980
Interest Expense:
NOW And Money Market Accounts	211,968	291,585	444,056	649,558
Statement Savings Accounts	9,724	10,901	20,788	21,411
Certificate Accounts	674,138	1,033,105	1,414,013	2,156,283
FHLB Advances And Other Borrowed Money	915,786	1,133,300	1,898,891	2,304,787
Senior Convertible Debentures	121,680	121,680	243,360	243,360
Junior Subordinated Debentures	25,787	28,311	51,597	57,404
Total Interest Expense	1,959,083	2,618,882	4,072,705	5,432,803
Net Interest Income	5,720,625	5,856,523	11,311,272	11,994,177
Provision For Loan Losses	900,000	725,000	2,045,381	2,675,000
Net Interest Income After Provision For Loan Losses	4,820,625	5,131,523	9,265,891	9,319,177
Non-Interest Income:
Gain On Sale Of Investment Securities	369,729	103,659	753,780	638,619
Gain On Sale Of Loans	210,840	132,952	395,628	276,110
Service Fees On Deposit Accounts	278,263	278,563	542,094	555,827
Commissions From Insurance Agency	104,649	107,773	244,962	225,943
Trust Income	135,000	120,000	270,000	246,000
Bank Owned Life Insurance Income	78,000	105,000	183,000	210,000
Check Card Fee Income	222,929	204,860	418,122	403,183
Community Development Financial Institution (CDFI) Financial Award Income	220,071	0	636,071	0
Other	123,422	130,929	244,228	242,541
Total Non-Interest Income	1,742,903	1,183,736	3,687,885	2,798,223
Non-Interest Expense:
Compensation And Employee Benefits	2,768,450	2,614,044	5,589,825	5,354,123
Occupancy	487,664	491,747	962,978	935,277
Advertising	70,088	81,944	177,731	159,251
Depreciation And Maintenance Of Equipment	369,760	404,594	808,932	833,320
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	196,476	185,628	364,198	324,449
Amortization Of Intangibles	12,501	12,501	25,002	25,002
Net Cost Of Operation Of Other Real Estate Owned	341,392	642,151	737,761	1,053,855
Prepayment Penalties on FHLB Advances	85,089	0	238,342	0
Other	1,060,192	865,599	1,999,727	1,737,800
Total General And Administrative Expenses	5,391,612	5,298,208	10,904,496	10,423,077
Income Before Income Taxes	1,171,916	1,017,051	2,049,280	1,694,323
Provision For Income Taxes	293,354	286,323	499,349	533,648
Net Income	878,562	730,728	1,549,931	1,160,675
Preferred Stock Dividends	110,000	110,000	220,000	220,000
Net Income Available To Common Shareholders	$ 768,562	$ 620,728	$ 1,329,931	$ 940,675
Net Income Per Common Share (Basic)	$ 0.26	$ 0.21	$ 0.45	$ 0.32
Net Income Per Common Share (Diluted)	$ 0.26	$ 0.21	$ 0.45	$ 0.32
Cash Dividend Per Share On Common Stock	$ 0.08	$ 0.08	$ 0.16	$ 0.16
Weighted Average Shares Outstanding (Basic)	2,944,001	2,944,001	2,944,001	2,944,001
Weighted Average Shares Outstanding (Diluted)	2,944,001	2,944,001	2,944,001	2,944,001