Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 1,302,520	$ 671,369
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	298,464	342,063
Amortization Of Intangible Assets	11,970	12,501
Stock Option Compensation Expense	3,169	(12,089)
Discount Accretion And Premium Amortization	1,564,137	1,889,488
Provisions For Losses On Loans	100,000	1,145,381
Income From Bank Owned Life Insurance	(205,827)	(105,000)
Gain On Sales Of Loans	(128,242)	(184,788)
Gain On Sales Of Mortgage-Backed Securities	(254,538)	(384,051)
Loss On Sales Of Investment Securities	170,182	0
(Gain) Loss On Sale Of Real Estate Owned	(41,845)	501
Write Down On Real Estate Owned	205,000	264,378
Amortization Of Deferred Fees On Loans	6,583	(3,369)
Proceeds From Sale Of Loans Held For Sale	3,808,798	9,596,054
Origination Of Loans Held For Sale	(5,356,132)	(6,902,708)
(Increase) Decrease In Accrued Interest Receivable:
Loans	50,450	71,882
Mortgage-Backed Securities	(1,003)	84,055
Investment Securities	122,005	(41,215)
Increase In Advance Payments By Borrowers	90,699	173,441
Other, Net	131,449	127,215
Net Cash Provided By Operating Activities	1,877,839	6,745,108
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase Of Mortgage-Backed Securities Available For Sale	(25,481,066)	(23,258,838)
Principal Repayments On Mortgage-Backed Securities Available For Sale	7,413,707	15,733,179
Principal Repayments On Mortgage-Backed Securities Held To Maturity	0	367,737
Purchase Of Investment Securities Available For Sale	(5,971,321)	(21,368,984)
Maturities Of Investment Securities Available For Sale	5,914,950	4,322,231
Purchase of Investment Securities Held To Maturity	0	(1,000,000)
Maturities Of Investment Securities Held To Maturity	0	2,288,499
Proceeds From Sale of Investment Securities Available For Sale	5,132,069	0
Proceeds From Sale of Mortgage-Backed Securities Available For Sale	8,802,113	20,946,735
Purchase Of FHLB Stock	(2,021,200)	(445,500)
Redemption Of FHLB Stock	2,885,800	1,400,906
Proceeds from Life Insurance Policies	484,415	0
Increase (Decrease) In Loans Receivable	(4,611,602)	(8,759,426)
Proceeds From Sale Of Repossessed Assets	155,945	2,276,298
Purchase And Improvement Of Premises And Equipment	(140,046)	(106,829)
Net Cash Provided By Investing Activities	1,786,968	9,914,860
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase (Decrease) In Deposit Accounts	8,386,773	(1,812,188)
Proceeds From FHLB Advances	46,630,000	13,900,000
Repayment Of FHLB Advances	(59,084,335)	(26,004,249)
Increase in Other Borrowings, Net	1,263,649	88,925
Dividends To Preferred Stock Shareholders	(110,000)	(110,000)
Dividends To Common Stock Shareholders	(235,520)	(235,520)
Net Cash Used By Financing Activities	(3,149,433)	(14,173,032)
Net Increase In Cash And Cash Equivalents	515,374	2,486,936
Cash And Cash Equivalents At Beginning Of Period	7,629,771
Cash And Cash Equivalents At End Of Period	8,145,145	10,390,886
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest	1,497,977	2,096,095
Income Taxes	24,100	10,419
Supplemental Schedule Of Non Cash Transactions:
Transfers From Loans Receivable To Other Real Estate Owned	$ 892,760	$ 2,278,659