Consolidated Statements of Comprehensive Income (unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
Interest and dividend revenue
Loans, including fees	$ 3,648,304	$ 3,946,500	$ 7,242,125	$ 7,837,121
U. S. Treasury and government agency securities	175,017	248,240	360,355	492,758
State and municipal securities	12,172	14,510	25,252	29,287
Federal funds sold	9,689	9,980	18,207	24,460
Interest-bearing deposits	13,239	14,589	26,474	29,264
Equity securities	8,203	8,813	13,504	16,827
Total interest and dividend revenue	3,866,624	4,242,632	7,685,917	8,429,717
Interest expense
Deposits	239,839	363,530	513,675	767,004
Borrowings	3,054	5,160	5,874	10,561
Total interest expense	242,893	368,690	519,549	777,565
Net interest income	3,623,731	3,873,942	7,166,368	7,652,152
Provision for loan losses	105,000	803,500	297,500	948,900
Net interest income after provision for loan losses	3,518,731	3,070,442	6,868,868	6,703,252
Noninterest revenue
Service charges on deposit accounts	200,122	235,866	393,544	451,361
ATM and debit card	172,594	156,753	329,890	294,012
Increase in cash surrender value of bank owned life insurance	65,230	43,677	121,124	86,449
Gain (loss) on disposition of assets	(6,223)	50	(12,475)	250
Loss on other than temporary impairment of investment value	0	(178,325)	0	(178,325)
Miscellaneous	98,745	90,511	169,241	143,737
Total noninterest revenue	530,468	348,532	1,001,324	797,484
Noninterest expenses
Salaries	901,051	873,440	1,794,950	1,748,427
Employee benefits	298,421	253,060	598,618	615,655
Occupancy	173,280	190,373	362,295	413,232
Furniture and equipment	107,908	113,272	229,607	240,083
Data processing	67,466	60,302	133,350	127,414
ATM and debit card	69,548	42,521	140,980	89,161
Deposit insurance premiums	48,111	73,660	96,630	149,614
Other operating	412,173	423,534	892,040	759,630
Total noninterest expenses	2,077,958	2,030,162	4,248,470	4,143,216
Income before income taxes	1,971,241	1,388,812	3,621,722	3,357,520
Income taxes	707,200	473,750	1,301,000	1,191,250
Net income	1,264,041	915,062	2,320,722	2,166,270
Earnings per common share - basic and diluted (in dollars per share)	$ 0.42	$ 0.30	$ 0.77	$ 0.72
Other comprehensive income, net of tax
Unrealized gains (losses) of available for sale investment securities arising during the period, net of taxes	51,027	200,377	17,894	(16,813)
Comprehensive income	$ 1,315,068	$ 1,115,439	$ 2,338,616	$ 2,149,457