CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Consolidated Statements Of Cash Flows
Net income	$ 3,666,828	$ 3,189,318	$ 3,110,513
Adjustments to reconcile net income to net cash provided (used) by operating activities:
Depreciation	206,603	209,316	231,922
Gain on sale of securities		(124,672)
Loss on other real estate owned		63,273	13,347
Provision for loan losses	350,000	480,000	670,000
Stock-based compensation expense	72,928	64,587	50,721
Deferred income taxes	(169,207)	(76,848)	30,388
Net (accretion) and amortization of unearned discounts and premiums on investments	390,543	(243,994)	28,915
Origination of mortgage loans held for sale	(108,699,648)	(60,049,882)	(83,127,187)
Proceeds from sale of mortgage loans held for sale	97,798,357	58,379,611	80,652,331
Decrease (increase) in accrued interest receivable and other assets	487,961	528,446	(1,258,208)
(Decrease) increase in accrued interest payable and other liabilities	(12,081)	(179,471)	94,785
Net cash (used) provided by operating activities	(5,907,716)	2,239,684	497,527
Proceeds from calls and maturities of investment securities available for sale	3,745,000	9,605,000	6,420,000
Purchase of investment securities available for sale	(2,801,741)	(45,238,691)	(9,807,151)
Net decrease (increase) in loans	(3,443,553)	(5,995,152)	5,839,873
Loss on disposal of fixed assets	1,628
Purchase of premises, equipment and leasehold improvements, net	(83,058)	(384,755)	(152,259)
Proceeds from sale of other real estate		596,157	169,993
Proceeds from sale of available for sale securities		18,140,625
Net cash (used) provided by investing activities	(2,581,724)	(23,276,816)	2,470,456
Net (decrease) increase in deposit accounts	(10,053,672)	50,690,540	20,599,295
Net decrease in short-term borrowings		(767,497)	(7,239,256)
Dividends paid	(2,489,610)	(1,376,623)	(1,688,084)
Cash paid for fractional shares			(2,466)
Stock options exercised	11,094	123,403	210,811
Net cash (used) provided by financing activities	(12,532,188)	48,669,823	11,880,300
Net increase (decrease) in cash and cash equivalents	(21,021,628)	27,632,691	14,848,283
Cash and cash equivalents, beginning of year	52,063,476	24,430,785	9,582,502
Cash and cash equivalents, end of year	31,041,848	52,063,476	24,430,785
Interest	534,773	899,219	1,126,930
Income taxes	1,717,751	1,510,641	1,238,877
Change in unrealized gain (loss) on securities available for sale, net of income taxes	186,390	1,763,246	(529,810)
Real estate acquired through foreclosure			741,470
Change in dividends payable	$ (488,944)	$ 488,944