Statements of Operations (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest income:
Loans, including fees	$ 1,916,341	$ 1,648,963	$ 3,723,224	$ 3,338,888
Investment securities, taxable	98,101	126,513	182,966	189,815
FHLB, interest and dividends	2,441	877	4,921	1,808
Federal funds sold	5,757	4,534	12,209	15,475
Time deposits with other banks	2,716	4,468	5,815	8,151
Total	2,025,357	1,785,355	3,929,135	3,554,137
Interest expense:
Time deposits of $100,000 and over	127,278	364,073	242,859	406,044
Other deposits	327,245	86,797	632,716	533,431
Other interest expense	57,721	81,333	119,681	157,740
Total	512,244	532,203	995,256	1,097,215
Net interest income	1,513,113	1,253,152	2,933,879	2,456,922
Provision for loan losses	1,114,998	400,000	237,860	436,528
Net interest income after provision for loan losses	398,115	853,152	2,696,019	2,020,394
Other operating income:
Service charges on deposit accounts	94,019	98,263	175,614	187,688
Rental income	6,787	2,250	13,060	3,000
Gain on sale of investment securities	29,117	275,212	29,117	275,212
Other service charges, commissions and fees	24,635	12,508	39,431	22,957
Total	154,558	388,233	257,222	488,857
Other operating expenses:
Salaries and employee benefits	681,560	585,184	1,343,224	1,142,602
Occupancy expense	45,591	43,928	98,574	90,467
Furniture and equipment expense	48,091	48,058	61,543	90,776
Discount on purchased loans	0	0	1,002,136	0
Loss (gain) on sale of other real estate owned	0	8,568	(3,158)	9,016
Other operating expenses	806,002	481,111	1,451,967	967,633
Total	1,581,244	1,166,849	3,954,286	2,300,494
Income (loss) before income taxes	(1,028,571)	74,536	(1,001,045)	208,757
Income tax expense	6,948	24,528	17,792	76,510
Net income (loss)	(1,035,519)	50,008	(1,018,837)	132,247
Accretion of preferred stock to redemption value	6,078	6,078	12,156	12,156
Preferred stock dividends paid or accrued	$ 43,750	$ 43,750	$ 87,500	$ 87,500
Net (loss) income available to common shareholders	$ (1,085,347)	$ 180	$ (1,118,493)	$ 32,591
(Loss) income per common share
Basic (loss) income per common share	$ (0.41)	$ 0	$ (0.42)	$ 0.01
Diluted (loss) income per common share	$ (0.41)	$ 0	$ (0.42)	$ 0.01