Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Interest Income:
Loans	$ 4,920,562	$ 5,524,185	$ 9,784,050	$ 11,109,071
Mortgage-Backed Securities	1,640,016	1,221,271	3,029,134	2,582,447
Investment Securities	1,073,905	932,545	2,011,206	1,688,416
Other	2,457	1,707	6,025	4,043
Total Interest Income	7,636,940	7,679,708	14,830,415	15,383,977
Interest Expense:
NOW And Money Market Accounts	128,974	211,968	309,733	444,056
Statement Savings Accounts	6,589	9,724	12,716	20,788
Certificate Accounts	500,307	674,138	1,009,102	1,414,013
FHLB Advances And Other Borrowed Money	724,577	915,786	1,432,292	1,898,891
Senior Convertible Debentures	121,680	121,680	243,360	243,360
Junior Subordinated Debentures	25,187	25,787	50,202	51,597
Total Interest Expense	1,507,314	1,959,083	3,057,405	4,072,705
Net Interest Income	6,129,626	5,720,625	11,773,010	11,311,272
Provision For Loan Losses	100,000	900,000	200,000	2,045,381
Net Interest Income After Provision For Loan Losses	6,029,626	4,820,625	11,573,010	9,265,891
Non-Interest Income:
Gain (Loss) On Sale Of Investment Securities	(39,485)	369,729	44,871	753,780
Gain On Sale Of Loans	218,288	210,840	346,530	395,628
Service Fees On Deposit Accounts	284,071	278,263	560,556	542,094
Commissions From Insurance Agency	109,229	104,649	200,863	244,962
Trust Income	141,000	135,000	246,000	270,000
Bank Owned Life Insurance Income	198,537	78,000	404,364	183,000
Check Card Fee Income	233,861	222,929	444,556	418,122
Community Development Financial Institution (CDFI) Financial Award Income	17,750	220,071	299,710	636,071
Other	168,687	123,422	320,887	244,228
Total Non-Interest Income	1,331,938	1,742,903	2,868,337	3,687,885
Non-Interest Expense:
Compensation And Employee Benefits	2,836,547	2,768,450	5,683,549	5,589,825
Occupancy	474,836	487,664	975,752	962,978
Advertising	142,863	70,088	243,259	177,731
Depreciation And Maintenance Of Equipment	393,270	369,760	810,776	808,932
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	178,785	196,476	364,242	364,198
Amortization Of Intangibles	0	12,501	11,970	25,002
Net Cost Of Operation Of Other Real Estate Owned	254,474	341,392	523,570	737,761
Prepayment Penalties on FHLB Advances	0	85,089	0	238,342
Other	1,035,848	1,060,192	2,030,184	1,999,727
Total General And Administrative Expenses	5,316,623	5,391,612	10,643,302	10,904,496
Income Before Income Taxes	2,044,941	1,171,916	3,798,045	2,049,280
Provision For Income Taxes	568,125	293,354	1,018,709	499,349
Net Income	1,476,816	878,562	2,779,336	1,549,931
Preferred Stock Dividends	110,000	110,000	220,000	220,000
Net Income Available To Common Shareholders	$ 1,366,816	$ 768,562	$ 2,559,336	$ 1,329,931
Net Income Per Common Share (Basic)	$ 0.46	$ 0.26	$ 0.87	$ 0.45
Net Income Per Common Share (Diluted)	$ 0.44	$ 0.26	$ 0.83	$ 0.45
Cash Dividend Per Share On Common Stock	$ 0.08	$ 0.08	$ 0.16	$ 0.16
Weighted Average Shares Outstanding (Basic)	2,944,001	2,944,001	2,944,001	2,944,001
Weighted Average Shares Outstanding (Diluted)	3,248,201	2,944,001	3,248,201	2,944,001