Consolidated Statements Of Income (Loss) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest and Dividend Income
Interest and fees on loans	$ 1,499,870	$ 1,775,594	$ 3,091,934	$ 3,544,876
Investment securities	225,060	232,420	413,751	500,662
Federal funds sold and interest bearing balances	3,154	4,682	6,661	7,062
Total interest income	1,728,084	2,012,696	3,512,346	4,052,600
Interest Expense
Deposits	388,576	597,554	820,964	1,249,559
Borrowings	74,616	94,107	152,626	210,481
Total interest expense	463,192	691,661	973,590	1,460,040
Net Interest Income	1,264,892	1,321,035	2,538,756	2,592,560
Provision for Loan Losses	110,000	280,000	260,000	900,000
Net interest income after provision for loan losses	1,154,892	1,041,035	2,278,756	1,692,560
Noninterest Income
Service charges on deposit accounts	129,531	138,148	242,566	264,552
Other	57,183	49,595	100,114	95,394
Total noninterest income	186,714	187,743	342,680	359,946
Noninterest Expense
Salaries and employee benefits	553,384	563,376	1,104,128	1,128,485
Premises and equipment	131,826	139,061	267,741	284,982
Loss on sale of foreclosed property	24,421	94,956	50,399	99,143
Foreclosed property expenses	403,606	102,149	542,762	221,139
Professional and regulatory fees	153,107	125,791	302,736	253,849
Data processing	60,698	59,297	117,708	114,142
Supplies	25,496	16,921	45,115	34,099
Advertising	4,955	4,815	15,419	10,553
Other	168,516	197,067	376,068	379,743
Total noninterest expense	1,526,009	1,303,433	2,822,076	2,526,135
Net loss before taxes	(184,403)	(74,655)	(200,640)	(473,629)
Income tax benefit		(52,355)		(210,754)
Net loss	(184,403)	(22,300)	(200,640)	(262,875)
Preferred stock dividend accumulated	(20,703)		(41,179)
Income (loss) available to common shareholders	$ (205,106)	$ (22,300)	$ (241,819)	$ (262,875)
Loss Per Common Share
Basic	$ (0.09)	$ (0.01)	$ (0.11)	$ (0.12)
Diluted	$ (0.09)	$ (0.01)	$ (0.11)	$ (0.12)
Weighted Average Shares Outstanding
Basic	2,210,769	2,210,769	2,210,769	2,210,769
Diluted	2,210,769	2,210,769	2,210,769	2,210,769