CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011
Consolidated Statements Of Cash Flows
Net income	$ 1,780,993	$ 1,417,393
Depreciation	108,072	107,466
Gain on sale of securities		(58,186)
Provision for loan losses	200,000	240,000
Stock-based compensation expense	35,886	21,964
Net (accretion) and amortization of unearned discounts and premiums on investments	189,027	(62,394)
Origination of mortgage loans held for sale	(43,840,121)	(22,487,584)
Proceeds from sale of mortgage loans held for sale	44,910,307	24,774,966
(Increase) decrease in accrued interest receivable and other assets	(6,189)	49,523
(Decrease) increase in accrued interest payable and other liabilities	(138,023)	88,115
Net cash provided by operating activities	3,239,952	4,091,263
Purchase of investment securities available for sale		(33,789,626)
Maturities of investment securities available for sale	3,590,000	9,160,000
Net decrease (increase) in loans	2,993,611	(4,633,958)
Loss on disposal of fixed assets	1,628
Proceeds from sale of available for sale securities	(36,553)	(72,771)
Purchase of premises, equipment and leasehold improvements, net		12,088,125
Net cash provided (used) by investing activities	6,548,686	(17,248,230)
Net (decrease) increase in deposit accounts	(23,697,419)	16,924,871
Net decrease in short-term borrowings		(363,211)
Dividends paid	(977,890)	(443,251)
Stock options exercised	11,094	117,724
Net cash (used) provided by financing activities	(24,664,215)	16,236,133
Net (decrease) increase in cash and cash equivalents	(14,875,577)	3,079,166
Cash and cash equivalents, beginning of period	52,063,476	24,430,785
Cash and cash equivalents, end of period	37,187,899	24,430,785
Interest	286,412	514,377
Income taxes	566,730	164,111
Change in dividends payable	143	444,428
Change in unrealized losses on available for sale securities	$ 259,251	$ 872,098