CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Interest income
Investment securities and due from banks	$ 107,535	$ 169,848
Interest on Federal funds sold	7,848	2,605
Interest and fee income on loans	883,179	1,012,779
Total interest income	998,562	1,185,232
Interest expense
Deposits	84,869	114,898
Other borrowings	18,203	50,963
Total interest expense	103,072	165,861
Net interest income	895,490	1,019,371
Provision for loan losses	0	5,522
Net interest income after provision for loan losses	895,490	1,013,849
Non-interest income
Service charges on deposit accounts	311,493	304,657
Gain on sale of foreclosed assets	93,871	61,151
Other miscellaneous income	49,934	7,250
Dividend income from restricted stock	3,428	2,770
Income from bank-owned life insurance	17,092	17,225
Total non-interest income	475,818	393,053
Non-interest expenses
Salaries and employee benefits	573,281	587,399
Occupancy and equipment	106,099	114,581
Data and item processing	89,013	96,972
Advertising and marketing	13,056	16,153
Legal and professional fees	69,109	70,233
Regulatory assessments	55,864	75,447
Insurance	12,467	10,425
Directors' fees and expenses	25,545	15,601
Other expenses	101,541	94,318
Total non-interest expenses	1,045,975	1,081,129
Income before income tax expense	325,333	325,773
Income tax expense	121,374	122,468
Net income	$ 203,959	$ 203,305
Basic earnings per share	$ 0.26	$ 0.27
Diluted earnings per share	$ 0.26	$ 0.27