CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Consolidated Statements Of Cash Flows
Net income	$ 2,042,879	$ 1,780,993
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	93,729	108,072
Provision for loan losses	170,000	200,000
Stock-based compensation expense	36,952	35,886
Net amortization and (accretion) of unearned discounts and premiums on investments	214,496	189,027
Origination of mortgage loans held for sale	(49,460,592)	(43,840,121)
Proceeds from sale of mortgage loans held for sale	57,691,303	44,910,307
(Increase) decrease in accrued interest receivable and other assets	(181,841)	(6,189)
Increase in accrued interest payable and other liabilities	146,723	(138,023)
Net cash provided by operating activities	10,753,649	3,239,952
Cash flows from investing activities:
Purchase of investment securities available for sale	(16,715,236)
Maturities of investment securities available for sale	2,165,000	3,590,000
Net decrease in loans	2,547,593	2,993,611
Loss on disposal of fixed assets		1,628
Purchase of premises, equipment and leasehold improvements, net	(87,867)	(36,553)
Net cash (used) provided by investing activities	(12,090,510)	6,548,686
Cash flows from financing activities:
Net increase (decrease) in deposit accounts	13,914,504	(23,697,419)
Dividends paid	(533,869)	(977,890)
Stock options exercised	62,248	11,094
Net cash provided (used) by financing activities	13,442,883	(24,664,215)
Net increase (decrease) in cash and cash equivalents	12,106,022	(14,875,577)
Cash and cash equivalents, beginning of period	31,041,848	52,063,476
Cash and cash equivalents, end of period	43,147,870	37,187,899
Cash paid during the period for:
Interest	198,066	286,417
Income taxes	494,725	566,730
Supplemental disclosure for non-cash investing and financing activity:
Change in dividends payable	534,423	143
Change in unrealized gain (loss) on securities available for sale, net of income taxes	$ (577,705)	$ 259,251