Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 1,301,426	$ 952,653
Items not requiring (providing) cash:
Deferred income taxes	(55,386)	291,082
Depreciation	187,835	190,529
Provision for loan losses	200,000	400,000
Gain on loans and investment securities	(188,666)	(520,734)
Loss (gain) on sale of foreclosed assets	(6,981)	28,668
Amortization of deferred income, premiums and discounts	101,495	125,496
Stock award plan expense	136,955	151,813
Origination of loans held for sale	(6,075,681)	(14,924,339)
Proceeds from sale of loans held for sale	6,334,261	16,885,696
Increase in cash surrender value of bank owned life insurance	(91,548)	(98,773)
Changes in:
Prepaid FDIC deposit insurance premiums		133,005
Accrued interest receivable	189,310	129,378
Prepaid expenses and other assets	331,265	138,150
Accounts payable and accrued expenses	55,202	339,037
Income taxes receivable	131,812	(58,300)
Net cash provided by operating activities	2,551,299	4,163,361
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	17,734,431	13,045,066
Principal payments on available-for-sale securities	1,776,923	3,288,268
Principal payments on held-to-maturity securities	4,679	44,692
Proceeds from maturities of available-for-sale securities	1,000,000	9,000,000
Purchase of premises and equipment	(94,441)	(105,148)
Purchase of available-for-sale securities	(11,337,265)	(25,537,986)
Proceeds from sale of available-for-sale securities	8,191,860	7,269,770
Redemption of FHLB stock	48,200	671,900
Proceeds from sale of foreclosed assets held for sale	172,593	798,893
Net cash provided by investing activities	17,496,980	8,475,455
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW accounts and savings accounts	5,541,510	14,086,253
Net decrease in certificates of deposit	(1,459,731)	(10,456,751)
Proceeds from issuance of common stock	15,882,974
Repayments of FHLB and Federal Reserve advances	(3,000,000)	(15,100,000)
Advances from borrowers for taxes and insurance	90,905	98,837
Stock options exercised	14,576
Preferred cash dividends paid	(179,000)	(150,000)
Treasury stock purchased		(85,589)
Net cash provided by (used in) financing activities	16,891,234	(11,607,250)
INCREASE IN CASH AND CASH EQUIVALENTS	36,939,513	1,031,566
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	12,303,200	41,663,405
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 49,242,713	$ 42,694,971