Consolidated Statements of Income (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
INTEREST INCOME
Loans, including fees	$ 5,633,206	$ 6,306,980	$ 17,643,633	$ 19,254,589
Investment securities	2,609,503	3,101,121	8,483,553	8,924,368
Other interest	32,641	14,967	50,322	33,234
Total interest income	8,275,350	9,423,068	26,177,508	28,212,191
INTEREST EXPENSE
Deposits	668,407	757,177	2,096,841	2,446,794
Other borrowed funds	728,659	833,020	2,268,067	2,592,724
Total interest expense	1,397,066	1,590,197	4,364,908	5,039,518
NET INTEREST INCOME	6,878,284	7,832,871	21,812,600	23,172,673
PROVISION FOR LOAN LOSSES	462,684	1,659,873	1,328,461	2,586,707
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,415,600	6,172,998	20,484,139	20,585,966
OTHER INCOME
Service charges on deposit accounts	966,149	999,478	2,711,719	2,729,861
Other service charges and fees	509,443	474,171	1,375,512	1,303,304
Other income	364,973	973,163	1,000,089	1,514,508
Total other income	1,840,565	2,446,812	5,087,320	5,547,673
OTHER EXPENSES
Salaries and employee benefits	3,414,811	3,518,464	10,448,471	10,562,176
Occupancy expense	1,147,917	1,081,113	3,277,082	3,188,602
Other operating expense	1,710,148	2,100,350	5,631,591	5,595,469
Total other expenses	6,272,876	6,699,927	19,357,144	19,346,247
INCOME BEFORE PROVISION FOR INCOME TAXES	1,983,289	1,919,883	6,214,315	6,787,392
PROVISION FOR INCOME TAXES	354,247	297,525	1,170,509	1,355,876
NET INCOME	$ 1,629,042	$ 1,622,358	$ 5,043,806	$ 5,431,516
NET INCOME PER SHARE
-Basic	$ 0.34	$ 0.33	$ 1.04	$ 1.12
-Diluted	$ 0.33	$ 0.33	$ 1.04	$ 1.12
DIVIDENDS PAID PER SHARE	$ 0.22	$ 0.22	$ 0.66	$ 0.66