Consolidated Condensed Statements of Income (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest Income
Loans receivable, including fees	$ 12,991,790	$ 14,908,465	$ 40,091,062	$ 45,651,477
Investment securities:
Mortgage-backed securities	1,963,266	1,420,310	5,804,669	4,489,600
Federal Home Loan Bank stock	107,239	69,677	315,180	255,481
Other investments	170,205	278,768	459,617	829,343
Deposits with financial institutions	16,891	48,068	68,505	146,933
Total interest income	15,249,391	16,725,288	46,739,033	51,372,834
Interest Expense
Passbook savings	26,713	34,596	98,362	104,524
Certificates of deposit	3,458,636	4,123,081	11,006,387	12,623,190
Daily Money Market accounts	127,628	157,984	370,300	460,905
Demand and NOW accounts	291,675	242,598	885,872	697,529
Federal Home Loan Bank advances	741,230	1,319,229	2,485,575	4,802,345
Other interest expense	207,921	233,067	628,164	703,318
Total interest expense	4,853,803	6,110,555	15,474,660	19,391,811
Net Interest Income	10,395,588	10,614,733	31,264,373	31,981,023
Provision for losses on loans	3,200,000	2,225,000	9,100,000	5,275,000
Net Interest Income After Provision for Loan Losses	7,195,588	8,389,733	22,164,373	26,706,023
Other Income
Service fee income	1,862,120	1,829,034	5,192,782	5,456,161
Net realized gain (loss) on sale of securities	1,763,960	(380,786)	1,839,316	(60,510)
Equity in losses of limited partnerships	(106,614)	(127,617)	(255,893)	(382,449)
Commissions	878,886	896,291	2,834,601	2,919,960
Net gains on sales of loans	244,867	845,967	685,571	1,409,654
Net servicing fees (loss)	(336,711)	33,722	(292,465)	101,927
Increase in cash surrender value of life insurance	345,772	630,289	1,070,733	1,385,474
Loss on sale of other real estate and repossessed assets	(22,127)	(159,471)	(358,264)	(698,602)
Other-than-temporary losses on securities
Total other-than-temporary losses	0	(98,575)	(723,338)	(2,136,555)
Portion of loss recognized in other comprehensive income (before taxes)	0	0	529,896	1,310,285
Net impairment losses recognized in earnings	0	(98,575)	(193,442)	(826,270)
Other income	34,034	14,862	100,555	173,658
Total other income	4,664,187	3,483,716	10,623,494	9,479,003
Other Expenses
Salaries and employee benefits	5,240,059	5,314,547	16,103,385	15,982,278
Net occupancy expenses	582,515	628,593	1,917,019	1,871,424
Equipment expenses	504,574	480,364	1,486,945	1,459,569
Data processing fees	373,318	363,035	1,153,319	1,161,504
Automated teller machine	240,693	294,474	776,018	869,944
Deposit insurance	330,182	465,230	1,169,883	1,364,521
Professional fees	433,123	305,954	1,169,000	891,404
Advertising and promotion	453,258	296,000	1,053,040	899,984
Software subscriptions and maintenance	338,050	377,081	968,687	1,176,902
Intangible amortization	279,600	327,408	893,517	1,033,368
Other real estate and repossessed assets	279,155	148,037	746,257	689,519
Other expenses	981,955	972,880	2,801,255	2,853,566
Total other expenses	10,036,482	9,973,603	30,238,325	30,253,983
Income Before Income Tax	1,823,293	1,899,846	2,549,542	5,931,043
Income tax expense	375,000	279,000	114,000	1,192,000
Net Income	1,448,293	1,620,846	2,435,542	4,739,043
Preferred stock dividends and accretion	851,891	450,766	1,753,423	1,352,298
Net Income Available to Common Shareholders	$ 596,402	$ 1,170,080	$ 682,119	$ 3,386,745
Basic earnings per common share	$ 0.09	$ 0.17	$ 0.10	$ 0.49
Diluted earnings per common share	$ 0.09	$ 0.17	$ 0.10	$ 0.49
Dividends per common share	$ 0.06	$ 0.06	$ 0.18	$ 0.18