CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Dec. 31, 2012	Dec. 31, 2011
CASH AND CASH EQUIVALENTS:
Cash	$ 2,315,185	$ 437,414
Federal funds sold	39,114,092	3,964,439
Total cash and cash equivalents	41,429,277	4,401,853
LOANS RECEIVABLE:
Held for sale	17,844,400	10,245,483
Held for investment	179,352,290	211,477,704
less: allowance for loan losses	(3,151,476)	(6,124,116)
Loans receivable held-for-investment - net	176,200,814	205,353,588
Total loans receivable - net	194,045,214	215,599,071
Mortgage-backed securities - available for sale at fair value	24,809,365	80,808,257
Investment securities - available for sale at fair value	59,117,873	44,937,185
Investment in Federal Home Loan Bank Stock, at cost	3,636,100	4,503,700
Accrued interest receivable on loans	829,567	1,023,847
Accrued interest receivable on investments	345,829	693,967
Real estate acquired in settlement of loans	5,182,403	4,820,634
Bank owned life insurance	12,824,768	12,368,974
Premises and equipment - net	4,752,789	4,807,206
Deferred tax assets	6,668,201	8,574,590
Other assets	2,851,087	2,422,102
TOTAL ASSETS	356,492,473	384,961,386
Deposits:
Non-interest bearing	6,668,011	5,256,111
Interest-bearing	224,764,003	239,794,477
Total Deposits	231,432,014	245,050,588
Federal Home Loan Bank borrowings	68,000,000	84,000,000
Advances from borrowers for taxes and insurance	469,701	426,238
Accounts payable, accrued expenses and other liabilities	1,265,196	1,211,550
Total Liabilities	301,166,911	330,688,376
STOCKHOLDERS' EQUITY :
Preferred stock, no stated par value; 10,000,000 shares authorized; none issued and outstanding
Common stock authorized, 20,000,000 shares at $.0001 par value. 8,016,607 and 7,995,232 shares issued and outstanding	802	799
Additional paid-in capital	11,206,794	11,095,646
Retained earnings - substantially restricted	43,256,158	42,230,566
Accumulated other comprehensive income	861,808	945,999
Total stockholders' equity	55,325,562	54,273,010
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 356,492,473	$ 384,961,386