CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Cash flows from operating activities
Net income	$ 1,195,062	$ 922,536
Amortization (accretion) of:
Deferred loan origination costs, net	(34,208)	(15,182)
Premiums and discounts on securities	(116,761)	(212,632)
Core deposit intangible	65,997	70,253
Mortgage servicing rights	46,798	59,093
Fair value adjustments	(14,526)	(15,688)
Provision for loan losses	225,000	450,000
Depreciation	137,553	141,167
Gain on sale of securities	(355,651)
Gain on sale of loans	(265,172)	(251,567)
(Gain) loss on sale of foreclosed assets	(5,550)	32,613
Write-down on foreclosed assets	203,407
Earnings on bank-owned life insurance	(43,375)	(48,462)
Increase in mortgage servicing rights	(97,714)	(76,048)
Proceeds from sales of loans held for sale	12,484,493	9,413,857
Originations of loans held for sale	(10,666,343)	(8,576,540)
Change in assets and liabilities:
Accrued interest receivable and other assets	(497,963)	(65,357)
Accrued interest payable	(30,659)	(86,887)
Other liabilities	685,425	(483,791)
Net cash provided by operating activities	2,915,813	1,257,365
Cash flows from investing activities
Purchase of interest-earning time deposits	(6,982)	(3,590)
Available for sale securities:
Purchases	(27,115,599)	(16,811,357)
Proceeds from calls, maturities, and principal repayments	4,350,612	15,030,635
Proceeds from sales	6,078,129
Redemption of FHLB stock		2,060,654
Decrease (increase) in loans	10,099,718	(3,609,972)
Purchase of property and equipment	(23,555)	(286,557)
Proceeds from the sale of foreclosed assets	248,997	400,327
Purchase of bank-owned life insurance	(3,000,000)
Net cash used in investing activities	(9,368,680)	(3,219,860)
Cash flows from financing activities
Net increase in deposit accounts	5,144,976	8,083,312
Net decrease in securities sold under agreements to repurchase	(3,531,586)	(13,964,412)
Repurchase of common stock	(1,076,428)	(248,073)
Cash dividends paid	(447,791)	(462,242)
Net cash provided by (used in) financing activities	89,171	(6,591,415)
Net decrease in cash and cash equivalents	(6,363,696)	(8,553,910)
Cash and cash equivalents:
Beginning	71,414,598	39,361,409
Ending	65,050,902	30,807,499
Supplemental schedule of noncash investing and financing activities
Assets acquired in settlement of loans		190,000
Cash paid during the period for:
Interest	970,531	1,308,671
Income taxes, net of refunds	$ 2,075,000	$ 675,000