Consolidated Balance Sheets (Unaudited) (USD $)	Jun. 30, 2014	Dec. 31, 2013
ASSETS:
Cash And Cash Equivalents	$ 12,531,186	$ 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 $428,932,644 And $430,241,854 At June 30, 2014 And December 31, 2013, Respectively)	436,810,833	431,003,452
Total Investments And Mortgage-Backed Securities	436,810,833
Loans Receivable, Net:
Held For Sale	1,384,240	1,234,158
Held For Investment (Net Of Allowance Of $9,112,157 and $10,241,970 At June 30, 2014 And December 31, 2013, Respectively)	345,221,173	357,682,507
Total Loans Receivable, Net	346,605,413	358,916,665
Accrued Interest Receivable:
Loans	949,305	1,031,747
Mortgage-Backed Securities	725,498	732,100
Investment Securities	1,504,633	1,393,156
Total Accrued Interest Receivable	3,179,436	3,157,003
Premises And Equipment, Net	18,485,846	17,243,390
Federal Home Loan Bank (FHLB) Stock, At Cost	4,573,120	5,016,600
Repossessed Assets Acquired In Settlement Of Loans		3,947,226
Bank Owned Life Insurance	11,000,045	11,474,305
Intangible Assets, Net	0	11,970
Goodwill	1,199,754	1,199,754
Other Assets	3,709,901	7,547,528
Total Assets	844,321,799	849,248,059
Liabilities:
Deposit Accounts	658,423,773	658,696,772
Advances From FHLB	75,152,312	87,740,058
Other Borrowings	9,358,367	8,002,739
Junior Subordinated Debentures	5,155,000	5,155,000
Advance Payments By Borrowers For Taxes And Insurance	496,259	255,364
Senior Convertible Debentures	6,084,000	6,084,000
Other Liabilities	5,150,311	5,324,046
Total Liabilities	759,820,022	771,257,979
Shareholders' Equity:
Serial Preferred Stock, $.01 Par Value; Authorized 200,000 Shares; Issued And Outstanding, 22,000 Shares At June 30, 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 June 30, 2014 And At December 31, 2013, Respectively	31,449	31,449
Additional Paid-In Capital	11,984,475	11,978,137
Treasury Stock, At Cost (200,933 Shares At June 30, 2014 And December 31, 2013, Respectively)	(4,330,712)	(4,330,712)
Accumulated Other Comprehensive Income	4,889,470	472,406
Retained Earnings	49,927,095	47,838,800
Total Shareholders' Equity	84,501,777	77,990,080
Total Liabilities And Shareholders' Equity	$ 844,321,799	$ 849,248,059