CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Consolidated Statements Of Cash Flows
Net income	$ 998,805	$ 890,726
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	45,824	56,409
Provision for loan losses	75,000	120,000
Stock-based compensation expense	18,467	17,943
Net amortization and (accretion) of unearned discounts and premiums on investments	105,736	(95,612)
Origination of mortgage loans held for sale	(21,047,673)	(22,749,190)
Proceeds from sale of mortgage loans held for sale	29,333,577	21,863,238
(Increase) decrease in accrued interest receivable and other assets	(392,193)	104,670
Increase in accrued interest payable and other liabilities	454,918	279,250
Net cash provided by operating activities	9,592,461	487,434
Cash flows from investing activities:
Purchase of investment securities available for sale	(2,305,943)
Maturities of investment securities available for sale	2,040,000	455,000
Net decrease in loans	846,703	1,276,159
Purchase of premises, equipment and leasehold improvements, net	(48,896)	(19,384)
Net cash provided by investing activities	531,864	1,711,775
Cash flows from financing activities:
Net increase in deposit accounts	1,904,894	9,143,751
Dividends paid		(488,943)
Stock options exercised	22,733	171
Net cash provided by financing activities	1,927,627	8,654,979
Net increase in cash and cash equivalents	12,051,952	10,854,188
Cash and cash equivalents, beginning of period	31,041,848	52,063,476
Cash and cash equivalents, end of period	43,093,800	62,971,664
Cash paid during the period for:
Interest	101,321	140,262
Income taxes	50,725	60,730
Supplemental disclosure for non-cash investing and financing activity:
Change in dividends payable	533,868	3
Change in unrealized gain (loss) on securities available for sale, net of income taxes	$ (162,893)	$ (160,615)