Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Interest Income:
Loans	$ 4,852,458	$ 5,375,962	$ 14,636,508	$ 16,485,033
Mortgage-Backed Securities	1,538,902	1,360,586	4,568,036	3,943,033
Investment Securities	995,233	966,936	3,006,439	2,655,352
Other	2,345	2,219	8,370	6,262
Total Interest Income	7,388,938	7,705,703	22,219,353	23,089,680
Interest Expense:
NOW And Money Market Accounts	125,749	186,183	435,482	630,239
Statement Savings Accounts	6,821	6,932	19,537	27,720
Certificate Accounts	488,300	601,056	1,497,402	2,015,069
FHLB Advances And Other Borrowed Money	617,271	854,292	2,049,563	2,753,183
Senior Convertible Debentures	121,680	121,680	365,040	365,040
Junior Subordinated Debentures	25,441	25,952	75,643	77,549
Total Interest Expense	1,385,262	1,796,095	4,442,667	5,868,800
Net Interest Income	6,003,676	5,909,608	17,776,686	17,220,880
Provision For Loan Losses	0	600,000	200,000	2,645,381
Net Interest Income After Provision For Loan Losses	6,003,676	5,309,608	17,576,686	14,575,499
Non-Interest Income:
Gain On Sale Of Investment Securities	142,816	419,360	187,687	1,173,140
Gain On Sale Of Loans	119,041	227,332	465,571	622,960
Service Fees On Deposit Accounts	300,920	303,350	861,476	845,444
Commissions From Insurance Agency	116,894	103,330	317,757	348,292
Trust Income	158,000	135,000	404,000	405,000
Bank Owned Life Insurance Income	75,000	78,000	479,364	261,000
Check Card Fee Income	229,542	222,252	674,098	640,374
Community Development Financial Institution (CDFI) Financial Award Income	183,789	97,000	483,499	733,071
Other	160,304	152,467	481,191	396,695
Total Non-Interest Income	1,486,306	1,738,091	4,354,643	5,425,976
Non-Interest Expense:
Compensation And Employee Benefits	2,781,418	2,677,608	8,464,967	8,267,433
Occupancy	515,881	484,857	1,491,633	1,447,835
Advertising	115,268	79,130	358,527	256,861
Depreciation And Maintenance Of Equipment	408,685	412,020	1,219,461	1,220,952
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	177,537	191,535	541,779	555,733
Amortization Of Intangibles	0	12,501	11,970	37,503
Net (Profit) Cost Of Operation Of Other Real Estate Owned	(71,623)	506,174	451,947	1,243,935
Prepayment Penalties On FHLB Advances	0	191,181	0	429,523
Other	1,095,710	1,109,892	3,125,894	3,109,619
Total General And Administrative Expenses	5,022,876	5,664,898	15,666,178	16,569,394
Income Before Income Taxes	2,467,106	1,382,801	6,265,151	3,432,081
Provision For Income Taxes	756,466	360,970	1,775,175	860,319
Net Income	1,710,640	1,021,831	4,489,976	2,571,762
Preferred Stock Dividends	110,000	110,000	330,000	330,000
Net Income Available To Common Shareholders	$ 1,600,640	$ 911,831	$ 4,159,976	$ 2,241,762
Net Income Per Common Share (Basic)	$ 0.54	$ 0.31	$ 1.41	$ 0.76
Net Income Per Common Share (Diluted)	$ 0.52	$ 0.31	$ 1.35	$ 0.76
Cash Dividend Per Share On Common Stock	$ 0.08	$ 0.08	$ 0.24	$ 0.24
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