Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Interest Income:
Loans	$ 4,863,488	$ 5,584,886
Mortgage-Backed Securities	1,389,118	1,361,176
Investment Securities	937,301	755,871
Other	3,568	2,336
Total Interest Income	7,193,475	7,704,269
Interest Expense:
NOW And Money Market Accounts	180,759	232,088
Statement Savings Accounts	6,127	11,064
Certificate Accounts	508,795	739,875
FHLB Advances And Other Borrowed Money	707,715	983,105
Senior Convertible Debentures	121,680	121,680
Junior Subordinated Debentures	25,015	25,810
Total Interest Expense	1,550,091	2,113,622
Net Interest Income	5,643,384	5,590,647
Provision For Loan Losses	100,000	1,145,381
Net Interest Income After Provision For Loan Losses	5,543,384	4,445,266
Non-Interest Income:
Gain On Sale Of Investment Securities	84,356	384,051
Gain On Sale Of Loans	128,242	184,788
Service Fees On Deposit Accounts	276,485	263,831
Commissions From Insurance Agency	91,634	140,313
Trust Income	105,000	135,000
Bank Owned Life Insurance Income	205,827	105,000
Check Card Fee Income	210,695	195,193
Community Development Financial Institution (CDFI) Financial Award Income	281,960	416,071
Other	152,200	120,735
Total Non-Interest Income	1,536,399	1,944,982
Non-Interest Expense:
Compensation And Employee Benefits	2,847,002	2,821,375
Occupancy	500,916	475,314
Advertising	100,396	107,643
Depreciation And Maintenance Of Equipment	417,506	439,172
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	185,457	167,722
Amortization Of Intangibles	11,970	12,501
Net Cost Of Operation Of Other Real Estate Owned	269,096	396,369
Prepayment Penalties on FHLB Advances	0	153,253
Other	994,336	939,535
Total General And Administrative Expenses	5,326,679	5,512,884
Income Before Income Taxes	1,753,104	877,364
Provision For Income Taxes	450,584	205,995
Net Income	1,302,520	671,369
Preferred Stock Dividends	110,000	110,000
Net Income Available To Common Shareholders	$ 1,192,520	$ 561,369
Net Income Per Common Share (Basic)	$ 0.41	$ 0.19
Net Income Per Common Share (Diluted)	$ 0.39	$ 0.19
Cash Dividend Per Share On Common Stock	$ 0.08	$ 0.08
Weighted Average Shares Outstanding (Basic)	2,944,001	2,944,001
Weighted Average Shares Outstanding (Diluted)	3,248,201	2,944,001