Consolidated Balance Sheets (USD $)	Mar. 31, 2013	Dec. 31, 2012
Cash and cash equivalents:
Cash and due from banks	$ 3,595,330	$ 1,977,621
Interest bearing balances	17,813,864	43,411,347
Total cash and cash equivalents	21,409,194	45,388,968
Securities available-for-sale	94,699,269	82,929,671
Nonmarketable equity securities	1,449,400	2,383,750
Total securities	96,148,669	85,313,421
Mortgage loans held for sale		385,000
Loans receivable	339,840,759	339,727,732
Less allowance for loan losses	6,692,278	6,726,550
Loans, net	333,148,481	333,001,182
Premises, furniture and equipment, net	21,404,513	21,529,662
Accrued interest receivable	1,546,057	1,743,229
Bank owned life insurance	15,528,567	15,420,949
Other real estate owned	22,474,363	22,646,747
Other assets	1,442,042	1,241,620
Total assets	513,101,886	526,670,778
Deposits:
Noninterest-bearing transaction accounts	17,994,138	18,194,239
Interest-bearing transaction accounts	56,489,964	50,524,144
Savings and money market accounts	108,015,030	102,734,674
Time deposits $100,000 and over	167,177,316	169,385,202
Other time deposits	105,942,864	110,055,770
Total deposits	455,619,312	450,894,029
Securities sold under agreements to repurchase	10,000,000	10,000,000
Advances from Federal Home Loan Bank	17,000,000	34,000,000
Junior subordinated debentures	14,434,000	14,434,000
ESOP borrowings	1,175,000	1,225,000
Accrued interest payable	2,531,062	2,302,287
Other liabilities	3,334,222	3,635,333
Total liabilities	504,093,596	516,490,649
Commitments and contingencies-Note 14
Shareholders' equity:
Preferred stock, $.01 par value and liquidation value per share of $1,000, 10,000,000 shares authorized, 14,448 issued and outstanding at March 31, 2013 and December 31, 2012	14,258,290	14,195,052
Common stock, $.01 par value, 75,000,000 shares authorized; 4,277,176 shares issued and outstanding at March 31, 2013 and December 31, 2012	42,772	42,772
Common stock-warrant, 571,821 shares outstanding at March 31, 2013 and December 31, 2012	1,112,248	1,112,248
Unearned ESOP shares	(1,461,401)	(1,562,049)
Capital surplus	42,975,890	43,073,284
Retained deficit	(47,457,673)	(46,672,617)
Accumulated other comprehensive loss	(461,836)	(8,561)
Total shareholders' equity	9,008,290	10,180,129
Total liabilities and shareholders' equity	$ 513,101,886	$ 526,670,778