Consolidated Statements of Financial Condition (USD $)	Jun. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 24,339,911	$ 14,684,377
Interest-bearing deposits in financial institutions	20,225,031	29,749,236
Mortgage-backed securities - available for sale, at fair value	68,960,406	98,637,742
Mortgage-backed securities - held for investment	55,578,670	244,836
Held for sale	3,090,787	4,464,040
Held for investment	584,565,238	620,440,530
Allowance for loan and lease losses	(18,666,618)	(18,830,288)
Loans and leases receivable, net	568,989,407	606,074,282
Premises and equipment, net	10,752,914	9,162,538
Other real estate owned	11,386,753	11,616,390
Stock in Federal Home Loan Bank of Atlanta, at cost	2,690,000	3,474,900
Accrued interest receivable	2,302,863	2,336,527
Goodwill	4,218,576	4,218,576
Mortgage servicing rights	1,197,031	1,357,659
Identifiable intangible assets	86,460	102,180
Income tax receivable	2,254,002	2,864,993
Prepaid expenses and other assets	11,556,159	12,721,610
Total assets	784,538,183	797,245,846
Liabilities and Stockholders' Equity
Demand	240,048,367	234,501,026
Savings	26,999,519	24,498,789
Large denomination certificates of deposit	217,228,158	222,578,449
Other time	199,626,364	207,886,450
Total deposits	683,902,408	689,464,714
Borrowed money	2,349,203	11,503,110
Junior subordinated debentures	10,310,000	10,310,000
Other liabilities	7,082,092	6,454,818
Total liabilities	703,643,703	717,732,642
Common stock, $.01 par value, 25,000,000 shares authorized; 11,254,222 shares issued; 9,751,271 shares outstanding	97,513	97,513
Additional paid-in capital	35,844,758	35,795,586
Retained earnings, substantially restricted	75,665,645	74,956,772
Treasury stock, at cost	(31,967,269)	(31,967,269)
Accumulated other comprehensive income, net	1,253,833	630,602
Total stockholders' equity	80,894,480	79,513,204
Total liabilities and stockholders' equity	$ 784,538,183	$ 797,245,846