Consolidated Balance Sheets (Unaudited) (USD $)	Sep. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 5,241,221	$ 5,252,361
Interest-bearing deposits in other banks	59,233,558	41,919,040
Federal funds sold	8,902	11,098
Securities available for sale, net	49,041,951	46,537,941
Restricted investments	2,765,400	3,388,300
Loans	454,846,140	466,748,799
Allowance for loan losses	(6,882,457)	(6,307,193)
Net loans	447,963,683	460,441,606
Bank premises and equipment, net	13,938,967	14,158,374
Accrued interest receivable	1,484,101	1,488,438
Other real estate owned, net of allowance	3,614,433	2,821,000
Bank-owned life insurance	11,514,721	11,201,800
Other assets	9,787,461	10,820,386
Total assets	604,594,398	598,040,344
Deposits:
Noninterest-bearing	77,996,132	67,624,847
Interest-bearing:
NOW accounts	137,710,497	143,842,999
Savings accounts and money market accounts	138,180,029	132,825,735
Time deposits	168,390,971	175,762,789
Total interest-bearing	444,281,497	452,431,523
Total deposits	522,277,629	520,056,370
Federal Home Loan Bank advances	25,000,000	25,000,000
Company-obligated mandatorily redeemable capital securities	4,124,000	4,124,000
Other liabilities	6,191,969	4,754,411
Commitments and contingencies	0	0
Total liabilities	557,593,598	553,934,781
Shareholders' Equity
Common stock, par value, $3.13; authorized 8,000,000 shares; issued and outstanding: 2011: 3,669,758 shares including 32,572 nonvested shares: 2010: 3,636,758 shares including 33,772 nonvested shares	11,384,392	11,277,346
Retained earnings	36,992,001	34,892,905
Accumulated other comprehensive income (loss), net	(1,375,593)	(2,064,688)
Total shareholders' equity	47,000,800	44,105,563
Total liabilities and shareholders' equity	$ 604,594,398	$ 598,040,344