CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Cash flows from operating activities:
Net income	$ 3,189,318	$ 3,110,513	$ 1,869,854
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	209,316	231,922	217,784
Gain on sale of securities	(124,672)		(180,071)
Loss on sale of other real estate	63,273	13,347
Provision for loan losses	480,000	670,000	2,369,000
Stock-based compensation expense	64,587	50,721	47,200
Deferred income taxes	(76,848)	30,388	(483,107)
Net (accretion) and amortization of unearned discounts and premiums on investments	(243,994)	28,915	45,994
Origination of mortgage loans held for sale	(60,049,882)	(83,127,187)	(101,332,065)
Proceeds from sale of mortgage loans held for sale	58,379,611	80,652,331	101,363,827
Decrease (increase) in accrued interest receivable and other assets	528,446	(1,258,208)	(1,088,897)
(Decrease) increase in accrued interest payable and other liabilities	(179,471)	94,785	68,033
Net cash provided by operating activities	2,239,684	497,527	2,897,552
Cash flows from investing activities:
Proceeds from calls and maturities of investment securities available for sale	9,605,000	6,420,000	2,603,850
Purchase of investment securities available for sale	(45,238,691)	(9,807,151)	(11,959,800)
Net decrease (increase) in loans	(5,995,152)	5,839,873	(34,581,364)
Purchase of premises, equipment and leasehold improvements, net	(384,755)	(152,259)	(309,497)
Proceeds from sale of other real estate	596,157	169,993
Proceeds from the sale of available for sale securities	18,140,625		10,338,930
Net cash (used) provided by investing activities	(23,276,816)	2,470,456	(33,907,881)
Cash flows from financing activities:
Net increase in deposit accounts	50,690,540	20,599,295	15,051,165
Net (decrease) increase in short-term borrowings	(767,497)	(7,239,256)	7,006,753
Dividends paid	(1,376,623)	(1,688,084)	(1,912,940)
Cash paid for fractional shares		(2,466)
Stock options exercised	123,403	210,811	235,315
Net cash provided (used) by financing activities	48,669,823	11,880,300	20,380,293
Net increase (decrease) in cash and cash equivalents	27,632,691	14,848,283	(10,630,036)
Cash and cash equivalents, beginning of period	24,430,785	9,582,502	20,212,538
Cash and cash equivalents, end of period	52,063,476	24,430,785	9,582,502
Supplemental disclosure of cash flow data:
Interest	899,219	1,126,930	1,331,796
Income taxes	1,510,641	1,238,877	1,174,104
Supplemental disclosure for non-cash investing and financing activity:
Change in unrealized gain (loss) on securities available for sale, net of income taxes	1,763,246	(529,810)	(3,105)
Real estate acquired through foreclosure		741,470
Change in dividends payable	$ 488,944		$ (636,256)