Consolidated Balance Sheets (Unaudited) (USD $)	Sep. 30, 2014	Dec. 31, 2013
ASSETS:
Cash And Cash Equivalents	$ 8,210,921	$ 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 $421,262,865 And $430,241,854 At September 30, 2014 And December 31, 2013, Respectively)	428,819,911	431,003,452
Total Investments And Mortgage-Backed Securities	428,819,911
Loans Receivable, Net:
Held For Sale	2,057,504	1,234,158
Held For Investment (Net Of Allowance Of $8,646,974 And $10,241,970 At September 30, 2014 And December 31, 2013, Respectively)	342,057,363	357,682,507
Total Loans Receivable, Net	344,114,867	358,916,665
Accrued Interest Receivable:
Loans	985,215	1,031,747
Mortgage-Backed Securities	720,806	732,100
Investment Securities	1,425,548	1,393,156
Total Accrued Interest Receivable	3,131,569	3,157,003
Premises And Equipment, Net	18,377,829	17,243,390
Federal Home Loan Bank (FHLB) Stock, At Cost	3,851,600	5,016,600
Repossessed Assets Acquired In Settlement Of Loans	3,859,424	3,947,226
Bank Owned Life Insurance	11,075,045	11,474,305
Intangible Assets, Net	0	11,970
Goodwill	1,199,754	1,199,754
Other Assets	4,139,647	7,547,528
Total Assets	828,875,567	849,248,059
Liabilities:
Deposit Accounts	646,463,924	658,696,772
Advances From FHLB	68,320,000	87,740,058
Other Borrowings	10,781,356	8,002,739
Junior Subordinated Debentures	5,155,000	5,155,000
Advance Payments By Borrowers For Taxes And Insurance	578,614	255,364
Senior Convertible Debentures	6,084,000	6,084,000
Other Liabilities	5,822,307	5,324,046
Total Liabilities	743,205,201	771,257,979
Shareholders' Equity:
Serial Preferred Stock, $.01 Par Value; Authorized 200,000 Shares; Issued And Outstanding, 22,000 Shares At September 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 September 30, 2014 And December 31, 2013, Respectively	31,449	31,449
Additional Paid-In Capital	11,987,644	11,978,137
Treasury Stock, At Cost (200,933 Shares At September 30, 2014 And December 31, 2013, Respectively)	(4,330,712)	(4,330,712)
Accumulated Other Comprehensive Income	4,689,769	472,406
Retained Earnings	51,292,216	47,838,800
Total Shareholders' Equity	85,670,366	77,990,080
Total Liabilities And Shareholders' Equity	$ 828,875,567	$ 849,248,059