Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 4,489,976	$ 2,571,762
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	891,142	947,448
Amortization Of Intangible Assets	11,970	37,503
Stock Option Compensation (Benefit) Expense	9,507	(5,749)
Discount Accretion And Premium Amortization	3,922,542	5,485,576
Provisions For Losses On Loans	200,000	2,645,381
Income Accrued On Bank Owned Life Insurance	(225,000)	(261,000)
Gain On Sales Of Loans	(465,571)	(622,960)
Gain On Sales Of Mortgage-Backed Securities	(451,751)	(791,003)
(Gain) Loss On Sales Of Investment Securities	264,064	(382,137)
Gain On Sale Of Real Estate Owned	(193,403)	(80,001)
Write Down On Real Estate Owned	405,000	1,124,378
Amortization Of Net Deferred Costs (Fees) On Loans	12,775	(3,255)
Gain (Loss) on Disposition of Property Plant Equipment	0	431
Proceeds From Sale Of Loans Held For Sale	16,877,096	27,252,344
Origination Of Loans Held For Sale	(17,234,871)	(23,244,549)
(Increase) Decrease In Accrued Interest Receivable:
Loans	46,532	17,586
Mortgage-Backed Securities	11,294	157,418
Investment Securities	(32,392)	(168,844)
Increase In Advance Payments By Borrowers	323,250	414,946
Other, Net	1,333,451	2,576,122
Net Cash Provided By Operating Activities	10,195,611	17,671,397
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase Of Mortgage-Backed Securities Available For Sale	(50,417,565)	(64,782,671)
Principal Repayments On Mortgage-Backed Securities Available For Sale	24,085,687	45,539,786
Principal Repayments On Mortgage-Backed Securities Held To Maturity	0	942,806
Purchase Of Investment Securities Available For Sale	(40,181,576)	(60,296,593)
Maturities Of Investment Securities Available For Sale	17,167,888	16,419,156
Purchase of Investment Securities Held To Maturity	0	(1,000,000)
Maturities Of Investment Securities Held To Maturity	0	3,501,978
Proceeds From Sale of Investment Securities Available For Sale	29,526,067	16,947,896
Proceeds From Sale of Mortgage-Backed Securities Available For Sale	25,063,634	31,945,850
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	0	250,000
Purchase Of FHLB Stock	(4,434,480)	(2,696,106)
Redemption Of FHLB Stock	5,599,480	4,200,106
Proceeds from Life Insurance Policies	624,260	0
Increase (Decrease) In Loans Receivable	(13,826,634)	(23,717,082)
Proceeds From Sale Of Repossessed Assets	1,461,940	5,256,365
Purchase And Improvement Of Premises And Equipment	(2,025,581)	(513,144)
Proceeds from Sale of Property, Plant, and Equipment	0	1,750
Net Cash Provided By Investing Activities	20,296,388	19,434,261
CASH FLOWS FROM FINANCING ACTIVITIES:
Decrease In Deposit Accounts	(12,232,848)	(6,985,633)
Proceeds From FHLB Advances	171,890,000	77,900,000
Repayment Of FHLB Advances	(191,310,058)	(105,012,811)
Increase In Other Borrowings, Net	2,778,617	555,375
Payments for Repurchase of Warrants	0	50,000
Dividends To Preferred Stock Shareholders	(330,000)	(330,000)
Dividends To Common Stock Shareholders	(706,560)	(706,549)
Net Cash Used By Financing Activities	(29,910,849)	(34,629,618)
Net Increase In Cash And Cash Equivalents	581,150	2,476,040
Cash And Cash Equivalents At Beginning Of Period	7,629,771	7,903,950
Cash And Cash Equivalents At End Of Period	8,210,921	10,379,990
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest	4,407,602	5,921,035
Income Taxes	180,350	358,419
Supplemental Schedule Of Non Cash Transactions:
Transfers From Loans Receivable To Other Real Estate Owned	1,038,960	3,038,682
Transfers of Held to Maturity Investmets to Available For Sale	0	49,907,323
Transfers of Held to Maturity Mortgage Baked Securities to Available For Sale	$ 0	$ 22,100,000