CONSOLIDATED BALANCE SHEETS (USD $)	Dec. 31, 2012	Dec. 31, 2011
Assets:
Cash and due from banks	$ 5,137,888	$ 4,559,194
Interest bearing deposits in other banks	25,903,960	47,504,282
Investment securities available for sale (amortized cost of $55,022,009 and $56,355,810 in 2012 and 2011, respectively)	58,514,216	59,552,160
Mortgage loans to be sold	18,479,878	7,578,587
Loans	217,128,624	213,709,112
Less: Allowance for loan losses	(3,432,844)	(3,106,884)
Net loans	213,695,780	210,602,228
Premises, equipment and leasehold improvements, net	2,486,792	2,611,965
Accrued interest receivable	1,124,613	1,147,216
Other assets	67,519	473,137
Total assets	325,410,646	334,028,769
Deposits:
Non-interest bearing demand	83,447,675	70,217,614
Interest bearing demand	77,441,588	64,350,891
Money market accounts	54,450,828	96,292,414
Certificates of deposit $100,000 and over	40,903,886	38,638,528
Other time deposits	15,909,164	17,416,840
Other savings deposits	18,920,702	14,211,228
Total deposits	291,073,843	301,127,515
Accrued interest payable and other liabilities	406,361	907,385
Total liabilities	291,480,204	302,034,900
Commitments and contingencies Notes 1 and 8
Common Stock - No par value; 12,000,000 shares authorized; Shares issued 4,665,690 at December 31, 2012 and 4,664,391 at December 31, 2011; Shares outstanding 4,446,239 at December 31, 2012 and 4,444,940 December 31, 2011
Additional paid in capital	28,474,951	28,390,929
Retained earnings	5,157,839	3,491,678
Treasury stock - 219,451 shares at December 31, 2012 and December 31, 2011	(1,902,439)	(1,902,439)
Accumulated other comprehensive income, net of income taxes	2,200,091	2,013,701
Total shareholders' equity	33,930,442	31,993,869
Total liabilities and shareholders' equity	$ 325,410,646	$ 334,028,769