Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 2,571,762	$ 1,830,465
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	947,448	1,077,793
Amortization Of Intangible Assets	37,503	37,503
Stock Option Compensation Expense	(5,749)	24,843
Discount Accretion And Premium Amortization	5,485,576	5,411,461
Provisions For Losses On Loans	2,645,381	2,975,000
Income From Bank Owned Life Insurance	(261,000)	(315,000)
Gain On Sales Of Loans	(622,960)	(453,634)
Gain On Sales Of Mortgage-Backed Securities	(791,003)	(598,128)
Gain On Sales Of Investment Securities	(382,137)	(365,326)
(Gain) Loss On Sale Of Real Estate Owned	(80,001)	1,211
Write Down On Real Estate Owned	1,124,378	1,906,500
Amortization Of Deferred Fees On Loans	(3,255)	(8,034)
Gain On Disposition Of Premises And Equipment	431	0
Proceeds From Sale Of Loans Held For Sale	27,252,344	25,129,543
Origination Of Loans Held For Sale	(23,244,549)	(23,214,551)
(Increase) Decrease In Accrued Interest Receivable:
Loans	17,586	495,105
Mortgage-Backed Securities	157,418	11,508
Investment Securities	(168,844)	110,821
Increase In Advance Payments By Borrowers	414,946	359,740
Other, Net	2,576,122	(800,787)
Net Cash Provided By Operating Activities	17,671,397	13,616,033
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase Of Mortgage-Backed Securities Available For Sale	(64,782,671)	(68,509,386)
Principal Repayments On Mortgage-Backed Securities Available For Sale	45,539,786	40,121,950
Purchase Of Mortgage-Backed Securities Held To Maturity	0	(11,873,409)
Principal Repayments On Mortgage-Backed Securities Held To Maturity	942,806	1,114,545
Purchase Of Investment Securities Available For Sale	(60,296,593)	(50,564,039)
Maturities Of Investment Securities Available For Sale	16,419,156	20,905,948
Purchase of Investment Securities Held To Maturity	(1,000,000)	(12,219,647)
Maturities Of Investment Securities Held To Maturity	3,501,978	12,034,447
Proceeds From Sale of Investment Securities Available For Sale	16,947,896	8,511,730
Proceeds From Sale of Mortgage-Backed Securities Available For Sale	31,945,850	28,399,986
Proceeds From Redemption of Certificates Of Deposits With Other Banks	250,000	0
Purchase Of FHLB Stock	(2,696,106)	(284,687)
Redemption Of FHLB Stock	4,200,106	2,288,787
Decrease In Loans Receivable	23,717,082	35,904,577
Capital Improvements To Repossessed Assets	0	(36,877)
Proceeds From Sale Of Repossessed Assets	5,256,365	3,173,750
Purchase And Improvement Of Premises And Equipment	(513,144)	(76,047)
Proceeds From Sale of Premises and Equipment	1,750	0
Net Cash Provided By Investing Activities	19,434,261	8,891,628
CASH FLOWS FROM FINANCING ACTIVITIES:
Decrease In Deposit Accounts	(6,985,633)	(2,542,439)
Proceeds From FHLB Advances	77,900,000	54,700,001
Repayment Of FHLB Advances	(105,012,811)	(67,112,559)
Increase in Other Borrowings, Net	555,375	94,528
Dividends To Preferred Stock Shareholders	(330,000)	(330,000)
Dividends To Common Stock Shareholders	(706,549)	(706,559)
Net Cash Used By Financing Activities	(34,629,618)	(15,897,028)
Net Increase In Cash And Cash Equivalents	2,476,040	6,610,633
Cash And Cash Equivalents At Beginning Of Period	7,903,950	7,797,544
Cash And Cash Equivalents At End Of Period	10,379,990	14,408,177
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest	5,921,035	7,970,642
Income Taxes	358,419	1,343,816
Supplemental Schedule Of Non Cash Transactions:
Transfers From Loans Receivable To Other Real Estate Owned	3,038,682	2,416,928
Transfers of Held to Maturity Investmets to Available For Sale	49,907,323	0
Transfers of Held to Maturity Mortgage Baked Securities to Available For Sale	$ 22,100,000	$ 0