Consolidated Balance Sheets (Unaudited) (USD $)	Mar. 31, 2012	Dec. 31, 2011
Assets
Cash and due from banks	$ 4,534,587	$ 5,544,545
Interest-bearing deposits in other banks	40,143,034	66,607,776
Federal funds sold	7,906	7,904
Securities available for sale, net	56,511,993	47,649,479
Restricted investments	2,557,300	2,543,200
Loans	457,214,931	458,813,851
Allowance for loan losses	(6,877,319)	(6,728,320)
Net loans	450,337,612	452,085,531
Bank premises and equipment, net	15,076,195	14,788,611
Accrued interest receivable	1,464,358	1,533,758
Other real estate owned, net of allowance	1,776,000	1,776,000
Bank-owned life insurance	11,725,479	11,621,158
Other assets	10,077,679	10,066,086
Total assets	594,212,143	614,224,048
Deposits:
Noninterest-bearing	83,423,647	75,310,509
Interest-bearing:
NOW accounts	169,850,661	184,383,523
Savings accounts and money market accounts	106,853,421	107,004,349
Time deposits	151,051,549	163,871,068
Total interest-bearing	427,755,631	455,258,940
Total deposits	511,179,278	530,569,449
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	5,853,350	6,959,739
Commitments and contingencies
Total liabilities	546,156,628	566,653,188
Shareholders' Equity
Common stock, par value, $3.13; authorized 8,000,000 shares; issued and outstanding: 2012: 3,695,160 shares including 31,423 nonvested shares: 2011: 3,669,758 shares including 32,572 nonvested shares	11,467,497	11,384,392
Retained earnings	38,118,777	37,503,865
Accumulated other comprehensive income (loss), net	(1,530,759)	(1,317,397)
Total shareholders' equity	48,055,515	47,570,860
Total liabilities and shareholders' equity	$ 594,212,143	$ 614,224,048