CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities
Net income	$ 2,921,566	$ 3,025,481
Amortization (accretion) of:
Deferred loan origination costs, net	(90,160)	(68,656)
Premiums and discounts on securities	739,498	(430,839)
Core deposit intangible	197,999	210,751
Mortgage servicing rights	112,606	193,811
Fair value adjustments	(43,890)	(41,030)
Provision for loan losses	485,000	1,200,000
Depreciation	415,292	414,336
Gain on sale of securities	(359,138)	(167,978)
Gain on sale of loans	(489,833)	(1,131,293)
Gain on sale of foreclosed assets	(4,264)	(26,018)
Write-down on foreclosed assets	359,907	369,500
Earnings on bank-owned life insurance	(182,345)	(131,369)
Increase in mortgage servicing rights	(185,450)	(321,503)
Proceeds from sales of loans held for sale	23,676,132	40,199,478
Originations of loans held for sale	(21,359,299)	(38,874,435)
Change in assets and liabilities:
Accrued interest receivable and other assets	(542,379)	724,287
Accrued interest payable	(62,329)	(101,143)
Other liabilities	1,335,784	89,757
Net cash provided by operating activities	6,924,697	5,133,137
Cash flows from investing activities
Purchase of interest-earning time deposits	(14,354)	(7,271)
Available for sale securities:
Purchases	(54,478,812)	(34,569,689)
Proceeds from calls, maturities, and principal repayments	19,656,180	37,873,293
Proceeds from sales	9,025,930	4,307,679
Redemption of FHLB stock		3,229,072
Decrease (increase) in loans	24,507,844	(3,372,339)
Purchase of property and equipment	(180,105)	(595,429)
Proceeds from the sale of foreclosed assets	569,517	1,298,759
Purchase of bank-owned life insurance	(3,000,000)
Net cash provided by (used in) investing activities	(3,913,800)	8,164,075
Cash flows from financing activities
Net increase in deposit accounts	61,675,370	5,560,229
Net decrease in securities sold under agreements to repurchase	(10,957,434)	(17,311,651)
Proceeds from Federal Home Loan Bank advances		10,000,000
Repayments of Federal Home Loan Bank advances		(10,000,000)
Repurchase of common stock	(3,888,712)	(760,956)
Cash dividends paid	(1,319,086)	(1,381,303)
Net cash provided by (used in) financing activities	45,510,138	(13,893,681)
Net increase (decrease) in cash and cash equivalents	48,521,035	(596,469)
Cash and cash equivalents:
Beginning	71,414,598	39,361,409
Ending	119,935,633	38,764,940
Supplemental schedule of noncash investing and financing activities
Assets acquired in settlement of loans	944,204	2,471,211
Loans made to finance sales of foreclosed assets	531,278	180,500
Cash paid during the period for:
Interest	2,664,217	3,527,406
Income taxes, net of refunds	$ 2,038,004	$ 840,000