CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Consolidated Statements Of Cash Flows
Net income	$ 2,674,655	$ 2,354,377
Depreciation	160,329	159,992
Gain on sale of securities		(124,672)
Provision for loan losses	280,000	360,000
Stock-based compensation expense	54,329	43,275
Net (accretion) and amortization of unearned discounts and premiums on investments	286,624	(146,948)
Origination of mortgage loans held for sale	(73,797,138)	(38,816,916)
Proceeds from sale of mortgage loans held for sale	67,283,137	39,536,626
(Increase) decrease in accrued interest receivable and other assets	181,354	337,754
(Decrease) increase in accrued interest payable and other liabilities	(56,241)	54,235
Net cash provided by operating activities	(2,932,951)	3,757,723
Purchase of investment securities available for sale	(2,801,741)	(40,673,691)
Maturities of investment securities available for sale	3,745,000	9,605,000
Net decrease (increase) in loans	12,148	(2,607,057)
Loss on disposal of fixed assets	1,628
Proceeds from sale of available for sale securities	(66,790)	(287,616)
Purchase of premises, equipment and leasehold improvements, net		18,140,625
Net cash provided (used) by investing activities	890,245	(15,822,739)
Net (decrease) increase in deposit accounts	(28,182,406)	89,926,396
Net decrease in short-term borrowings		(249,978)
Dividends paid	(1,466,976)	(887,681)
Stock options exercised	11,094	123,403
Net cash (used) provided by financing activities	(29,638,288)	88,912,140
Net (decrease) increase in cash and cash equivalents	(31,680,994)	76,847,124
Cash and cash equivalents, beginning of period	52,063,476	24,430,785
Cash and cash equivalents, end of period	20,382,482	101,277,909
Interest	426,073	727,933
Income taxes	1,282,751	854,198
Change in dividends payable	143	488,943
Change in unrealized losses on available for sale securities	$ 403,446	$ 1,611,903