Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest Income
Interest and fees on loans	$ 6,469,533	$ 6,758,535	$ 19,380,394	$ 20,172,788
Interest and dividends on securities available for sale:
Taxable interest income	252,860	290,865	759,612	896,126
Interest income exempt from federal income taxes	58,685	56,352	176,695	172,329
Dividends	15,127	8,259	49,828	21,726
Interest on federal funds sold	5	5	18	16
Interest on deposits in other banks	41,039	13,853	97,585	37,931
Total interest income	6,837,249	7,127,869	20,464,132	21,300,916
Interest Expense
Interest on deposits	987,022	1,279,051	2,962,756	3,891,083
Interest on federal funds purchased	12	1,278	25	1,314
Interest on Federal Home Loan Bank advances	249,673	254,361	740,878	720,142
Distribution on capital securities of subsidiary trusts	50,202	27,295	148,942	67,124
Total interest expense	1,286,909	1,561,985	3,852,601	4,679,663
Net interest income	5,550,340	5,565,884	16,611,531	16,621,253
Provision for loan losses	700,000	700,000	1,470,835	1,450,000
Net interest income after provision for loan losses	4,850,340	4,865,884	15,140,696	15,171,253
Other Income
Trust and estate income	296,251	255,094	944,023	786,551
Brokerage income	116,291	110,148	309,188	241,098
Service charges on deposit accounts	825,998	752,147	2,237,427	2,019,088
Other service charges, commissions and income	441,668	421,272	1,201,057	1,145,354
Total other-than-temporary impairment losses on securities	0	(303,035)	(228,306)	(579,313)
Less: Portion of gain/(loss) recognized in other comprehensive income before taxes	0	198,881	(39,179)	398,276
Net other-than-temporary impairment losses on securities	0	(501,916)	(189,127)	(977,589)
Gain on sale of securities	24,138	465,209	28,390	552,627
Total other income	1,704,346	1,501,954	4,530,958	3,767,129
Other Expenses
Salaries and benefits	2,680,390	2,644,321	8,041,339	7,894,945
Occupancy expense of premises	490,473	453,877	1,429,613	1,397,183
Furniture and equipment	262,753	322,588	863,983	931,405
Marketing expense	168,662	175,817	470,547	496,679
Legal, audit and consulting expense	261,114	246,027	840,985	807,979
Data processing expense	279,289	239,806	869,030	758,612
Federal Deposit Insurance Corporation expense	83,043	173,881	475,725	526,960
Loss on sale or impairment of other real estate owned	100,000	58,671	350,821	119,810
Other operating expenses	657,540	732,153	2,035,221	2,270,072
Total other expenses	4,983,264	5,047,141	15,377,264	15,203,645
Income before income taxes	1,571,422	1,320,697	4,294,390	3,734,737
Income tax expense	423,548	338,328	1,087,480	937,903
Net Income	$ 1,147,874	$ 982,369	$ 3,206,910	$ 2,796,834
Earnings per Share , basic	$ 0.31	$ 0.27	$ 0.88	$ 0.77
Earnings per Share , assuming dilution	$ 0.31	$ 0.27	$ 0.87	$ 0.77
Dividends per Share	$ 0.12	$ 0.20	$ 0.36	$ 0.60