Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
Jun. 30, 2011	Jun. 30, 2010
Cash flows from operating activities:
Net income	$ 1,417,394	$ 1,455,709
Adjustments to reconcile net income to net cash provided (used) by operating activities:
Depreciation	107,466	127,331
Gain on sale of securities	(58,186)
Provision for loan losses	240,000	230,000
Stock-based compensation expense	21,964	23,600
Net (accretion) and amortization of unearned discounts and premiums on investments	(62,394)	19,423
Origination of mortgage loans held for sale	(22,487,584)	(29,941,324)
Proceeds from sale of mortgage loans held for sale	24,774,966	29,365,640
(Increase) decrease in accrued interest receivable and other assets	49,523	(173,125)
Increase in accrued interest payable and other liabilities	88,115	717
Net cash provided by operating activities	4,091,264	1,107,971
Cash flows from investing activities:
Purchase of investment securities available for sale	(33,789,626)	(2,430,705)
Maturities and calls of investment securities available for sale	9,160,000	420,000
Net (increase) decrease in loans	(4,633,958)	9,315,237
Purchase of premises and equipment	(72,771)	(63,801)
Proceeds from the sale of available for sale securities	12,088,125
Purchase of other real estate owned		(101,300)
Proceeds from the sale of other real estate owned		65,000
Net cash (used) provided by investing activities	(17,248,230)	7,204,431
Cash flows from financing activities:
Net increase in deposit accounts	16,924,871	3,439,274
Net decrease in short-term borrowings	(363,211)	(7,721,456)
Dividends paid	(443,252)	(400,291)
Stock options exercised	117,724	146,482
Net cash provided by (used in) financing activities	16,236,132	(4,535,991)
Net increase in cash and cash equivalents	3,079,166	3,776,411
Cash and cash equivalents, beginning of period	24,430,785	9,582,502
Cash and cash equivalents, end of period	27,509,951	13,358,913
Supplemental disclosure of cash flow data:
Interest	514,377	546,441
Income taxes	164,111	725,404
Supplemental disclosure for non-cash investing and financing activity:
Change in dividends payable	444,284	400,291
Transfer of loans to other real estate owned		183,340
Change in unrealized losses on available for sale securities	$ 872,098	$ (231,766)

The net change in appreciation or loss in value of the total of unsold securities during the period being reported on, net of tax.

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The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.

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The cash outflow from distribution of an entity's earnings to common and preferred stockholders, including minority shareholders. This element excludes special dividends, which are included in a separate element for capital distributions.

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The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.

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The cash outflow associated with the purchase of other real estate investments held by the entity for investment purposes not otherwise defined in the taxonomy.

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The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.

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The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.

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The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.

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The cash inflow associated with the sale or maturity (principal being due) of securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.

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The cash inflow from the sale assets received in full or partial satisfaction of a receivable including real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts. Foreclosed assets also include loans that are treated as if the underlying collateral had been foreclosed because the institution has taken possession of the collateral, even though legal foreclosure or repossession proceedings have not taken place.

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The cash inflow from sales of loans that are secured with real estate mortgages and are held with the intention to resell in the near future.

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The cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.

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Value of real estate transferred in noncash transactions during the reporting period.

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