CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Cash flows from operating activities:
Net income	$ 890,726	$ 649,368
Adjustments to reconcile net income to net cash provided (used) by operating activities:
Depreciation	56,409	86,987
Provision for loan losses	120,000	120,000
Stock-based compensation expense	17,943	10,678
Net (accretion) and amortization of unearned discounts and premiums on investments	(95,612)	(25,435)
Origination of mortgage loans held for sale	(22,749,190)	(12,315,707)
Proceeds from sale of mortgage loans held for sale	21,863,238	16,104,796
Decrease (increase) in accrued interest receivable and other assets	104,670	(59,099)
Increase in accrued interest payable and other liabilities	279,250	153,650
Net cash provided by operating activities	487,434	4,725,238
Cash flows from investing activities:
Purchase of investment securities available for sale		(15,206,250)
Maturities of investment securities available for sale	455,000	6,160,000
Net decrease in loans	1,276,159	2,994,633
Purchase of premises, equipment and leasehold improvements, net	(19,384)	(56,560)
Net cash provided (used) by investing activities	1,711,775	(6,108,177)
Cash flows from financing activities:
Net increase in deposit accounts	9,143,751	17,736,879
Net decrease in short-term borrowings		(353,065)
Dividends paid	(488,943)
Stock options exercised	171	14,850
Net cash provided by financing activities	8,654,979	17,398,664
Net increase in cash and cash equivalents	10,854,188	16,015,725
Cash and cash equivalents, beginning of period	52,063,476	24,430,785
Cash and cash equivalents, end of period	62,917,664	40,446,510
Supplemental disclosure of cash flow data:
Interest	140,262	216,240
Income taxes	60,730	139,111
Supplemental disclosure for non-cash investing and financing activity:
Change in dividends payable	3	443,169
Change in unrealized losses on available for sale securities	$ (160,615)	$ 388,928