CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,528,134	$ 1,490,573
Items not requiring (providing) cash:
Deferred income taxes	(69,978)	861,398
Depreciation	500,413	620,873
Provision for loan losses	2,800,000	2,750,000
Gain on loans and investment securities	(1,098,685)	(1,344,980)
Loss (gain) on sale of foreclosed assets	214,896	(15,710)
Accretion of gain on termination of interest rate swaps	0	(508,746)
Amortization of deferred income, premiums and discounts	365,404	416,987
Stock award plan expense	75,744	80,896
Treasury stock re-issued	100,017	0
Origination of loans held for sale	(36,262,395)	(52,563,214)
Proceeds from sale of loans held for sale	37,858,921	53,520,603
Release of ESOP shares	94,830	72,487
Increase in cash surrender value of bank owned life insurance	(240,160)	(295,841)
Changes in:
Accrued interest receivable	428,683	191,398
Prepaid expenses and other assets	339,531	709,630
Accounts payable and accrued expenses	232,390	(185,625)
Net cash provided by operating activities	7,867,745	5,800,729
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	11,960,663	15,073,178
Principal payments on held-to-maturity securities	33,732	199,642
Principal payments on available-for-sale securities	10,662,491	10,496,971
Proceeds from maturities of available-for-sale securities	26,775,000	28,956,500
Purchase of premises and equipment	(406,527)	(257,302)
Purchase of available-for-sale securities	(32,577,705)	(50,688,976)
Proceeds from sale of available-for-sale securities	9,971,546	14,956,798
Purchase of interest-bearing deposits	0	(12,501,000)
Proceeds from maturities of interest-bearing deposits	7,197,346	11,276,802
Redemption of Federal Home Loan Bank stock	1,178,300	595,400
Purchase of tax credit investments	(950,086)	0
Capitalized costs on foreclosed assets held for sale	(102,804)	(273,743)
Insurance proceeds on foreclosed assets held for sale	0	575,879
Proceeds from sale of foreclosed assets held for sale	4,600,281	2,685,837
Net cash provided by investing activities	38,342,237	21,095,986
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW and savings accounts	30,325,056	637,362
Net decrease in certificates of deposit	(18,356,080)	(20,001,428)
Repayments of FHLB advances	(25,000,000)	(15,000,000)
Advances from borrowers for taxes and insurance	309,816	339,734
Cash dividends paid on preferred stock	(637,499)	(637,502)
Treasury stock purchased	(53,230)	(6,540)
Net cash used in financing activities	(13,411,937)	(34,668,374)
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	32,798,045	(7,771,659)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	14,145,329	33,016,697
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 46,943,374	$ 25,245,038