Consolidated Balance Sheets (USD $)	Dec. 31, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 5,544,545	$ 5,252,361
Interest-bearing deposits in other banks	66,607,776	41,919,040
Federal funds sold	7,904	11,098
Securities available for sale, net	47,649,479	46,537,941
Restricted investments	2,543,200	3,388,300
Loans	458,813,851	466,748,799
Allowance for loan losses	(6,728,320)	(6,307,193)
Net loans	452,085,531	460,441,606
Bank premises and equipment, net	14,788,611	14,158,374
Accrued interest receivable	1,533,758	1,488,438
Other real estate owned, net of allowance	1,776,000	2,821,000
Bank-owned life insurance	11,621,158	11,201,800
Other assets	10,066,086	10,820,386
Total assets	614,224,048	598,040,344
Deposits:
Noninterest-bearing	75,310,509	67,624,847
Interest-bearing:
NOW accounts	184,383,523	143,842,999
Savings and money market accounts	107,004,349	132,825,735
Time deposits	163,871,068	175,762,789
Total interest-bearing	455,258,940	452,431,523
Total deposits	530,569,449	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	6,959,739	4,754,411
Commitments and contingencies
Total liabilities	566,653,188	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	37,503,865	34,892,905
Accumulated other comprehensive income (loss), net	(1,317,397)	(2,064,688)
Total shareholders' equity	47,570,860	44,105,563
Total liabilities and shareholders' equity	$ 614,224,048	$ 598,040,344