Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Cash flows from operating activities:
Net income	$ 2,354,377	$ 2,277,310
Adjustments to reconcile net income to net cash provided (used) by operating activities:
Depreciation	159,992	181,349
Gain on sale of securities	(124,672)
Provision for loan losses	360,000	420,000
Stock-based compensation expense	43,275	35,649
Net accretion of unearned discounts and premiums on investments	(146,948)	(23,726)
Origination of mortgage loans held for sale	(38,816,916)	(56,369,804)
Proceeds from sale of mortgage loans held for sale	39,536,626	53,127,029
(Increase) decrease in accrued interest receivable and other assets	337,754	(1,200,567)
Increase in accrued interest payable and other liabilities	54,235	34,981
Net cash provided (used) by operating activities	3,757,723	(1,517,779)
Cash flows from investing activities:
Purchase of investment securities available for sale	(40,673,691)	(2,805,705)
Maturities and calls of investment securities available for sale	9,605,000	3,420,000
Net (increase) decrease in loans	(2,607,057)	4,648,923
Purchase of premises and equipment	(287,616)	(121,029)
Proceeds from the sale of available for sale securities	18,140,625
Purchase of other real estate owned		(101,300)
Proceeds from the sale of other real estate owned		183,340
Net cash (used) provided by investing activities	(15,822,730)	5,224,229
Cash flows from financing activities:
Net increase in deposit accounts	89,926,396	539,572
Net decrease in short-term borrowings	(249,978)	(7,245,697)
Dividends paid	(887,681)	(802,470)
Stock options exercised	123,403	181,386
Cash paid on fractional shares		(2,466)
Net cash provided (used) by financing activities	88,912,140	(7,329,675)
Net increase (decrease) in cash and cash equivalents	76,847,124	(3,623,225)
Cash and cash equivalents, beginning of period	24,430,785	9,582,502
Cash and cash equivalents, end of period	101,277,909	5,959,277
Supplemental disclosure of cash flow data:
Interest	727,933	906,047
Income taxes	854,198	1,080,404
Supplemental disclosure for non-cash investing and financing activity:
Change in dividends payable	488,943	442,627
Transfer of loans to other real estate owned		741,470
Change in unrealized gains on available for sale securities	$ 1,611,903	$ 324,050