CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
INTEREST INCOME:
Interest and fees on loans	$ 11,496,188	$ 13,957,048
Interest on mortgage-backed securities	2,793,416	2,687,859
Interest and dividends on investments	1,202,848	1,666,129
Total interest income	15,492,452	18,311,036
INTEREST EXPENSE:
Interest on deposits	2,634,980	3,902,298
Interest on other borrowings	2,025,970	2,111,356
Total interest expense	4,660,950	6,013,654
NET INTEREST INCOME	10,831,502	12,297,382
Provision for loan losses		200,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	10,831,502	12,097,382
NON-INTEREST INCOME:
Loan-related fees	524,759	398,935
Gain on sale of loans	1,739,016	1,534,725
Gain on sale of mortgage-backed securities - available-for-sale	189,264	401,052
Gain on sale of investment securities - available-for-sale	445,727	161,439
Loss on disposal of premises and equipment	(9,198)	(2,005)
Rental income	645,294	421,118
Gain on sale of real estate acquired in settlement of loans	191,229	36,442
Service charges on deposits	138,337	112,627
Bank owned life insurance	455,794	457,173
Other income	219,998	190,599
Total non-interest income	4,540,220	3,712,105
NON-INTEREST EXPENSES:
Salaries and benefits	7,226,635	7,156,348
Occupancy expense	703,351	677,885
Deposit insurance premiums and assessments	632,418	742,078
Depreciation	444,237	446,770
Advertising	296,625	327,397
Service bureau charges	551,116	497,979
Service charges from banks	25,018	24,399
Service contracts	309,319	364,213
Stationery, printing and supplies	147,547	167,910
Foreclosure costs	538,586	581,508
Professional services	582,312	562,808
Other taxes	264,316	316,630
Provisions for losses on real estate acquired in settlement of loans	331,454	266,283
Other expenses	1,864,367	1,716,711
Total non-interest expenses	13,917,301	13,848,919
EARNINGS BEFORE INCOME TAXES	1,454,421	1,960,568
INCOME TAX EXPENSE	428,829	711,759
NET EARNINGS	1,025,592	1,248,809
OTHER COMPREHENSIVE INCOME (NET OF TAX)
Unrealized gains on securities	300,360	1,522,861
Reclassification adjustment for gain on sale of securities realized in net income (net of taxes of $250,440 and $221,846)	(384,551)	(340,645)
TOTAL COMPREHENSIVE INCOME	$ 941,401	$ 2,431,025
BASIC EARNINGS PER COMMON SHARE (in dollars per share)	$ 0.13	$ 0.16
DILUTED EARNINGS PER COMMON SHARE (in dollars per share)	$ 0.13	$ 0.16
AVERAGE COMMON SHARES OUTSTANDING (in shares)	7,998,081	7,987,720
AVERAGE DILUTED COMMON SHARES (in shares)	7,998,439	7,988,148