Consolidated Statements Of Cash Flows (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Operating Activities
Net loss	$ (1,209,777)	$ (510,340)
Adjustments to reconcile net loss to net cash provided by operating activities
Depreciation and amortization	377,959	344,610
Provision for loan losses	395,000	1,080,000
Write-down of other real estate owned	358,965	425,506
Non-cash option expense	38,029	45,915
Loss on sale of foreclosed property	146,705	138,649
Loss on retirement of fixed assets	3,539
Valuation allowance on deferred tax asset	908,441
Changes in operating assets and liabilities
Change in interest receivable	89,451	94,102
Change in other assets	338,650	1,185,039
Change in other liabilities	(46,443)	(119,785)
Net cash provided by operating activities	1,400,519	2,683,696
Investing Activities
Proceeds from maturities and principal repayments of available for sale securities	5,457,785	7,046,916
Purchase of investment securities available for sale	(7,274,933)	(3,126,338)
Proceeds from sale of foreclosed property	3,533,327	3,439,925
Purchase of Federal Reserve Bank stock	(17,900)
Redemption of FHLB stock	144,900	52,900
Purchase of property and equipment	(31,151)	(126,532)
Capitalization of improvements to foreclosed property	(171,976)	(275,489)
Proceeds from sale of fixed assets	425
Net decrease in loans to customers	12,605,720	6,726,947
Net cash provided by investing activities	14,246,197	13,738,329
Financing Activities
Net decrease in demand, savings and time deposits	(1,989,774)	(4,900,902)
Net decrease in customer repurchase agreements	(1,199,354)	(477,945)
Repayment of FHLB advances	(4,113,125)	(3,113,125)
Cash paid in lieu of fractional shares related to stock dividend		(1,024)
Proceeds from sale of preferred stock, net		998,538
Net cash used by financing activities	(7,302,253)	(7,494,458)
Net increase in cash and cash equivalents	8,344,463	8,927,567
Cash and Cash Equivalents, Beginning of Period	12,153,911	6,039,596
Cash and Cash Equivalents, End of Period	20,498,374	14,967,163
Supplemental Information
Cash paid for interest	1,419,617	2,159,100
Refund received for income taxes	(208,897)	(784,877)
Non-cash Supplemental Information
Loans transferred to other real estate owned	7,911,845	5,356,004
Loans charged-off, net	$ 946,745	$ 857,452