CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Cash flows from operating activities
Net income	$ 2,061,436	$ 1,711,041
Amortization (accretion) of:
Deferred loan origination costs, net	(60,471)	(42,338)
Premiums and discounts on securities	489,161	(169,616)
Core deposit intangible	131,998	140,502
Mortgage servicing rights	85,092	105,395
Fair value adjustments	(29,715)	(28,351)
Provision for loan losses	450,000	800,000
Depreciation	277,910	281,322
Gain on sale of securities	(359,138)
Gain on sale of loans	(432,810)	(521,078)
(Gain) loss on sale of foreclosed assets	(35,767)	99,416
Write-down on foreclosed assets	273,407	329,500
Earnings on bank-owned life insurance	(112,798)	(86,596)
Increase in mortgage servicing rights	(141,848)	(159,131)
Proceeds from sales of loans held for sale	18,168,949	19,897,942
Originations of loans held for sale	(16,549,739)	(18,877,074)
Change in assets and liabilities:
Accrued interest receivable and other assets	(850,801)	493,720
Accrued interest payable	(42,869)	(106,821)
Other liabilities	1,001,611	(290,783)
Net cash provided by operating activities	4,323,608	3,577,050
Cash flows from investing activities
Purchase of interest-earning time deposits	(10,664)	(7,271)
Available for sale securities:
Purchases	(42,373,421)	(21,771,639)
Proceeds from calls, maturities, and principal repayments	15,323,155	28,384,011
Proceeds from sales	9,025,930
Redemption of FHLB stock		2,648,907
Decrease (increase) in loans	27,067,337	(5,898,444)
Purchase of property and equipment	(147,206)	(548,687)
Proceeds from the sale of foreclosed assets	475,690	525,245
Purchase of bank-owned life insurance	(3,000,000)
Net cash used in investing activities	6,360,821	3,332,122
Cash flows from financing activities
Net increase (decrease) in deposit accounts	7,497,170	(9,693,949)
Net decrease in securities sold under agreements to repurchase	(7,225,782)	(15,261,338)
Repurchase of common stock	(1,863,278)	(407,203)
Cash dividends paid	(885,802)	(923,197)
Net cash used in financing activities	(2,477,692)	(26,285,687)
Net increase (decrease) in cash and cash equivalents	8,206,737	(19,376,515)
Cash and cash equivalents:
Beginning	71,414,598	39,361,409
Ending	79,621,335	19,984,894
Supplemental schedule of noncash investing and financing activities
Assets acquired in settlement of loans	944,204	2,165,848
Loans made to finance sales of foreclosed assets		181,500
Cash paid during the period for:
Interest	1,842,115	2,447,437
Income taxes, net of refunds	$ 1,255,000	$ 675,000