Consolidated Statements of Operations (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest and dividend income:
Loans receivable	$ 1,537,598	$ 1,492,206	$ 4,357,917	$ 4,333,693
Investment securities	939,250	1,089,101	2,949,689	3,375,355
Other interest earning assets	17,238	16,709	41,979	39,599
Total interest income	2,494,086	2,598,016	7,349,585	7,748,647
Interest expense:
NOW	18,965	42,915	75,237	123,515
Money market	59,240	58,250	179,720	183,754
Savings	11,508	11,978	37,482	35,567
Time	120,669	136,333	361,060	444,343
Total interest expense	210,382	249,476	653,499	787,179
Net interest income	2,283,704	2,348,540	6,696,086	6,961,468
Provision for loan loss	90,000	15,000	145,000	125,000
Net interest income after provision for loan loss	2,193,704	2,333,540	6,551,086	6,836,468
Non-interest income:
Loan fees	9,057	18,383	49,663	37,238
Service charges on deposits	533,256	559,728	1,591,641	1,651,448
Net rental income	10,795	14,950	32,513	41,199
Other income	49,397	42,814	159,684	129,175
Total non-interest income	602,505	635,875	1,833,501	1,859,060
Non-interest expenses:
Salaries and benefits	988,260	1,018,505	2,957,098	2,972,763
Occupancy expenses	403,650	358,718	1,141,878	1,084,114
Legal expense	57,035	53,443	156,995	230,224
Professional fees	65,900	68,000	218,401	194,850
Computer expense	64,298	66,020	202,867	198,572
Directors’ fees	63,150	59,475	188,525	179,000
FDIC and NYSBD assessments	54,500	105,000	194,000	304,000
Other expenses	320,883	305,864	961,980	948,558
Total non-interest expenses	2,017,676	2,035,025	6,021,744	6,112,081
Income before income taxes	778,533	934,390	2,362,843	2,583,447
Provision/(benefit) for income taxes:
Current	421,989	453,982	1,402,370	1,241,092
Deferred	(65,744)	(26,453)	(321,310)	(59,104)
Total provision for income taxes	356,245	427,529	1,081,060	1,181,988
Net income	422,288	506,861	1,281,783	1,401,459
Basic (in Dollars per share)	$ 0.23	$ 0.28	$ 0.71	$ 0.79
Diluted (in Dollars per share)	$ 0.23	$ 0.28	$ 0.71	$ 0.79
Comprehensive income	673,802	611,445	1,776,586	1,911,280
Book value per common share	$ 15.15	$ 14.38	$ 15.15	$ 14.38