Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest and dividend income:
Loans, including fees	$ 3,283,680	$ 3,283,335	$ 6,569,246	$ 6,522,264
Dividends	38,935	37,307	71,815	70,187
Securities	313,469	288,385	640,724	547,829
Interest-bearing deposits in other banks	11,816	20,258	23,077	45,374
Total interest income	3,647,900	3,629,285	7,304,862	7,185,654
Interest expense:
Deposits	766,788	1,052,863	1,553,720	2,112,161
Fed funds purchased and securities sold under agreements to repurchase	459	1,334	821	2,870
Federal Home Loan Bank advances	88,710	89,812	176,743	184,558
Total interest expense	855,957	1,144,009	1,731,284	2,299,589
Net interest income	2,791,943	2,485,276	5,573,578	4,886,065
Provision for loan losses	783,906	473,910	995,351	683,686
Net interest income after provision for loan losses	2,008,037	2,011,366	4,578,227	4,202,379
Noninterest income:
Customer service fees	482,905	469,180	900,747	866,950
Other charges and fees	381,598	377,774	752,516	712,079
Investment sales commissions	89,629	63,764	199,714	130,195
Increase in cash surrender value of life insurance	86,874	76,161	173,838	139,599
Other noninterest income	89,425	181,064	171,190	263,181
Total noninterest income	1,130,431	1,167,943	2,198,005	2,112,004
Noninterest expenses:
Salaries and employee benefits	1,619,576	1,522,866	3,266,481	3,058,825
Occupancy and equipment	336,467	352,013	649,118	688,904
Federal deposit insurance premiums	71,570	86,595	134,830	182,981
Data processing	178,747	161,247	340,011	320,979
Advertising	55,765	44,946	99,949	83,425
Other operating expenses	600,510	597,604	1,212,760	2,281,148
Total noninterest expenses	2,862,635	2,765,271	5,703,149	6,616,262
Income (loss) before income taxes	275,833	414,038	1,073,083	(301,879)
Income tax (benefit) expense	58,701	114,281	342,082	(195,691)
Net income (loss)	$ 217,132	$ 299,757	$ 731,001	$ (106,188)
Earnings (loss) per common share
Basic	$ 0.09	$ 0.11	$ 0.29	$ (0.04)
Diluted	$ 0.08	$ 0.11	$ 0.28	$ (0.04)
Dividends per common share	$ 0.05		$ 0.10