CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:
Net earnings	$ 1,025,592	$ 1,248,809
Adjustments to reconcile net earnings to net cash (used in) provided by operating activities:
Provision for loan losses		200,000
Provision for losses on real estate acquired in settlement of loans	331,454	266,283
Depreciation	444,237	446,770
Loss on disposal on premises and equipment	9,198	2,005
Accretion of (discounts)/premiums on investment securities	447,127	194,959
Gain on sale of MBS- available for sale	(189,264)	(401,052)
Gain on sale of investment securities- available for sale	(445,727)	(161,439)
Gain on sale of other real estate owned	(191,229)	(36,442)
Gain on sale of loans	(1,739,016)	(1,534,725)
Loans originated for sale	(127,463,294)	(109,204,387)
Proceeds from sale of loans originated for sale	119,864,377	123,128,500
Increase in cash surrender value of bank owned life insurance	(455,794)	(457,173)
(Increase) decrease in other assets	(428,985)	930,185
Decrease (increase) in accrued interest receivable	542,418	(82,085)
Change in deferred income taxes	1,961,219	485,140
Change in federal income taxes receivable		629,167
Excess tax benefits from stock-based compensation		(2,450)
Increase (decrease) in accounts payable, accrued expenses and other liabilities	53,646	(38,920)
Decrease in accrued interest payable	(4,964)	(18,178)
(Decrease) increase in net deferred loan fees	(33,041)	21,277
Net cash (used in) provided by operating activities	(6,272,046)	15,616,244
INVESTING ACTIVITIES:
Net decrease in loans receivable- held for investment	28,853,800	16,780,950
Purchase of mortgage-backed securities - available for sale	(26,766,515)	(48,440,935)
Purchase of investment securities - available for sale	(68,686,690)	(65,522,600)
Proceeds from sales, calls, and maturities of mortgage-backed securities	82,842,854	27,839,957
Proceeds from sales, calls and maturities of investment securities-available for sale	54,477,400	43,360,570
Redemption of Federal Home Loan Bank Stock	867,600	998,100
Purchase of premises and equipment	(399,019)	(453,306)
Development of real estate acquired in settlement of loans	(199,306)	(104,178)
Proceeds from sale of real estate acquired in settlement of loans	1,768,342	4,133,092
Net cash provided by (used in) investing activities	72,758,466	(21,408,350)
FINANCING ACTIVITIES:
Net (decrease) increase in demand deposits, NOW accounts and savings accounts	(862,928)	29,050,312
Proceeds from issuance of certificates of deposit	18,395,790	10,528,020
Payments for maturing certificates of deposit	(31,146,472)	(61,090,708)
Net increase (decrease) in advance payments by borrowers for taxes and insurance	43,463	(53,242)
(Decrease) increase in FHLB Advances	(16,000,000)	8,000,000
Proceeds from exercise of stock options	111,151	223,092
Excess tax benefits from stock-based compensation		2,450
Net cash used in financing activities	(29,458,996)	(13,340,076)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	37,027,424	(19,132,182)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	4,401,853	23,534,035
CASH AND CASH EQUIVALENTS, END OF PERIOD	41,429,277	4,401,853
CASH PAID DURING THE PERIOD FOR:
Interest	4,642,225	6,035,137
Non-cash transactions:
Real estate acquired in settlement of loans	$ 2,071,030	$ 3,023,444