Consolidated Balance Sheets (Unaudited) (USD $)	Mar. 31, 2014	Dec. 31, 2013
ASSETS:
Cash And Cash Equivalents	$ 8,145,145	$ 7,629,771
Certificates Of Deposit With Other Banks	2,095,000	2,100,395
Investment And Mortgage-Backed Securities:
Available For Sale: (Amortized Cost Of $432,951,620 And $430,241,854 At March 31, 2014 And December 31, 2013, Respectively)	436,445,047	431,003,452
Total Investments And Mortgage-Backed Securities	436,445,047
Loans Receivable, Net:
Held For Sale	2,909,734	1,234,158
Held For Investment: (Net Of Allowance Of $9,845,755 and $10,241,970 At March 31, 2014 And December 31, 2013, Respectively)	352,071,562	357,682,507
Total Loans Receivable, Net	354,981,296	358,916,665
Accrued Interest Receivable:
Loans	981,297	1,031,747
Mortgage-Backed Securities	733,103	732,100
Investment Securities	1,271,151	1,393,156
Total Accrued Interest Receivable	2,985,551	3,157,003
Premises And Equipment, Net	17,084,972	17,243,390
Federal Home Loan Bank (FHLB) Stock, At Cost	4,152,000	5,016,600
Repossessed Assets Acquired In Settlement Of Loans		3,947,226
Bank Owned Life Insurance	11,195,717	11,474,305
Intangible Assets, Net	0	11,970
Goodwill	1,199,754	1,199,754
Other Assets	5,974,483	7,547,528
Total Assets	848,779,851	849,248,059
Liabilities:
Deposit Accounts	667,083,545	658,696,772
Advances From FHLB	75,285,723	87,740,058
Other Borrowings	9,266,388	8,002,739
Junior Subordinated Debentures	5,155,000	5,155,000
Advance Payments By Borrowers For Taxes And Insurance	346,063	255,364
Senior Convertible Debentures	6,084,000	6,084,000
Other Liabilities	4,913,966	5,324,046
Total Liabilities	768,134,685	771,257,979
Shareholders' Equity:
Serial Preferred Stock, $.01 Par Value; Authorized 200,000 Shares; Issued And Outstanding, 22,000 Shares At March 31, 2014 And December 31, 2013, Respectively	22,000,000	22,000,000
Common Stock, $.01 Par Value; Authorized 5,000,000 Shares; Issued 3,144,934 Shares At March 31, 2014 And At December 31, 2013, Respectively	31,449	31,449
Additional Paid-In Capital	11,981,306	11,978,137
Treasury Stock, At Cost (200,933 Shares At March 31, 2014 And December 31, 2013, Respectively)	(4,330,712)	(4,330,712)
Accumulated Other Comprehensive Income	2,167,323	472,406
Retained Earnings	48,795,800	47,838,800
Total Shareholders' Equity	80,645,166	77,990,080
Total Liabilities And Shareholders' Equity	$ 848,779,851	$ 849,248,059