Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest Income:
Loans	$ 5,375,962	$ 5,979,342	$ 16,485,033	$ 18,657,143
Mortgage-Backed Securities	1,360,586	1,642,163	3,943,033	5,179,079
Investment Securities	966,936	647,720	2,655,352	1,857,233
Other	2,219	2,233	6,262	4,983
Total Interest Income	7,705,703	8,271,458	23,089,680	25,698,438
Interest Expense:
NOW And Money Market Accounts	186,183	291,387	630,239	940,945
Statement Savings Accounts	6,932	10,914	27,720	32,325
Certificate Accounts	601,056	944,296	2,015,069	3,100,579
FHLB Advances And Other Borrowed Money	854,292	1,066,410	2,753,183	3,371,197
Senior Convertible Debentures	121,680	121,680	365,040	365,040
Junior Subordinated Debentures	25,952	28,378	77,549	85,782
Total Interest Expense	1,796,095	2,463,065	5,868,800	7,895,868
Net Interest Income	5,909,608	5,808,393	17,220,880	17,802,570
Provision For Loan Losses	600,000	300,000	2,645,381	2,975,000
Net Interest Income After Provision For Loan Losses	5,309,608	5,508,393	14,575,499	14,827,570
Non-Interest Income:
Gain On Sale Of Investment Securities	419,360	324,835	1,173,140	963,454
Gain On Sale Of Loans	227,332	177,524	622,960	453,634
Service Fees On Deposit Accounts	303,350	291,753	845,444	847,580
Commissions From Insurance Agency	103,330	131,761	348,292	357,704
Trust Income	135,000	120,000	405,000	366,000
Bank Owned Life Insurance Income	78,000	105,000	261,000	315,000
Check Card Fee Income	222,252	196,943	640,374	600,126
Community Development Financial Institution (CDFI) Financial Award Income	97,000	0	733,071	0
Other	152,467	129,873	396,695	372,414
Total Non-Interest Income	1,738,091	1,477,689	5,425,976	4,275,912
Non-Interest Expense:
Compensation And Employee Benefits	2,677,608	2,709,998	8,267,433	8,064,121
Occupancy	484,857	505,208	1,447,835	1,440,485
Advertising	79,130	97,221	256,861	256,472
Depreciation And Maintenance Of Equipment	412,020	412,000	1,220,952	1,245,320
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	191,535	152,494	555,733	476,943
Amortization Of Intangibles	12,501	12,501	37,503	37,503
Net Cost Of Operation Of Other Real Estate Owned	506,174	1,321,254	1,243,935	2,375,109
Prepayment Penalties on FHLB Advances	191,181	0	429,523	0
Other	1,109,892	860,407	3,109,619	2,598,207
Total General And Administrative Expenses	5,664,898	6,071,083	16,569,394	16,494,160
Income Before Income Taxes	1,382,801	914,999	3,432,081	2,609,322
Provision For Income Taxes	360,970	245,209	860,319	778,857
Net Income	1,021,831	669,790	2,571,762	1,830,465
Preferred Stock Dividends	110,000	110,000	330,000	330,000
Net Income Available To Common Shareholders	$ 911,831	$ 559,790	$ 2,241,762	$ 1,500,465
Net Income Per Common Share (Basic)	$ 0.31	$ 0.19	$ 0.76	$ 0.51
Net Income Per Common Share (Diluted)	$ 0.31	$ 0.19	$ 0.76	$ 0.51
Cash Dividend Per Share On Common Stock	$ 0.08	$ 0.08	$ 0.24	$ 0.24
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