CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Cash flows from operating activities:
Net income	$ 955,798	$ 998,805
Adjustments to reconcile net income to net cash provided (used) by operating activities:
Depreciation	50,306	45,824
Gain on sale of securities	(84,898)
Provision for loan losses	30,000	75,000
Stock-based compensation expense	18,390	18,467
Net amortization of unearned discounts on investments	135,542	105,736
Origination of mortgage loans held for sale	(14,695,383)	(21,047,673)
Proceeds from sale of mortgage loans held for sale	12,625,228	29,333,577
Increase in accrued interest receivable and other assets	(161,369)	(392,193)
Increase in accrued interest payable and other liabilities	549,172	454,918
Net cash (used) provided by operating activities	(577,214)	9,592,461
Cash flows from investing activities:
Proceeds from maturities of investment securities available for sale	1,625,000	2,040,000
Proceeds from sale of available for sale securities	14,018,603
Purchase of investment securities available for sale	(11,086,270)	(2,305,943)
Net increase (decrease) in loans	(8,918,873)	846,703
Purchase of premises, equipment and leasehold improvements, net	(17,917)	(48,896)
Net cash (used) provided by investing activities	(4,379,457)	531,864
Cash flows from financing activities:
Net (decrease) inrease in deposit accounts	(5,364,462)	1,904,894
Dividends paid	(579,655)
Stock options exercised	26,050	22,733
Net cash (used) provided by financing activities	(5,918,067)	1,927,627
Net (decrease) increase in cash and cash equivalents	(10,874,738)	12,051,952
Cash and cash equivalents, beginning of year	22,124,096	31,041,848
Cash and cash equivalents, end of year	11,249,358	43,093,800
Cash paid during the period for:
Interest	115,285	101,321
Income taxes		50,725
Supplemental disclosure for non-cash investing and financing activity:
Change in dividends payable	325	533,868
Change in unrealized gain (loss) on securities available for sale, net of income taxes	$ 119,125	$ (162,893)