CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2013	Dec. 31, 2012
ASSETS
Cash and due from banks	$ 16,093,715	$ 23,798,795
Interest-earning deposits	9,737,274	8,161,322
Federal funds sold	94,104,644	39,454,481
Total cash and cash equivalents	119,935,633	71,414,598
Interest-earning time deposits	1,764,098	1,749,744
Securities available for sale	109,825,327	88,280,080
Federal Home Loan Bank stock	2,887,763	2,887,763
Loans, net of allowance for loan losses of $5,538,603 and $5,944,585 at September 30, 2013 and December 31, 2012, respectively	369,574,807	394,868,626
Loans held for sale		1,827,000
Property and equipment, net	9,910,688	10,157,929
Goodwill	11,385,323	11,385,323
Bank-owned life insurance	8,426,680	5,244,335
Core deposit intangible	337,001	535,000
Foreclosed assets	5,993,678	6,505,912
Mortgage servicing rights	884,627	811,783
Accrued interest receivable	1,691,799	1,592,307
Prepaid FDIC insurance premiums		1,001,161
Other assets	3,951,519	2,507,471
Total assets	646,568,943	600,769,032
Deposits:
Noninterest-bearing	62,779,210	60,330,245
Interest-bearing	459,270,206	400,043,801
Total deposits	522,049,416	460,374,046
Federal Home Loan Bank advances	21,978,000	21,966,750
Securities sold under agreements to repurchase	23,537,145	34,494,579
Subordinated debentures	4,000,000	4,000,000
Accrued interest payable	221,941	284,270
Other liabilities	1,279,593	1,392,984
Total liabilities	573,066,095	522,512,629
Stockholders' Equity
Preferred stock, $.10 par value, 10,000,000 shares authorized, no shares issued
Common stock, $.10 par value, 20,000,000 shares authorized, 7,007,283 and 7,481,317 shares issued and outstanding at September 30, 2013 and December 31, 2012	700,728	748,132
Additional paid-in capital	55,818,936	59,660,244
Retained earnings	18,254,396	16,651,916
Accumulated other comprehensive income (loss)	(1,271,212)	1,196,111
Total stockholders' equity	73,502,848	78,256,403
Total liabilities and stockholders' equity	$ 646,568,943	$ 600,769,032