Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest and dividend income:
Loans, including fees	$ 3,344,687	$ 3,309,668	$ 9,913,933	$ 9,831,932
Dividends	28,909	32,522	100,724	102,709
Securities	281,599	285,322	922,323	833,151
Interest-bearing deposits in other banks	12,707	19,998	35,784	65,372
Total interest income	3,667,902	3,647,510	10,972,764	10,833,164
Interest expense:
Deposits	742,514	1,006,191	2,296,234	3,118,352
Fed funds purchased and securities sold under agreements to repurchase	477	668	1,298	3,538
Federal Home Loan Bank advances	89,385	90,497	266,128	275,055
Total interest expense	832,376	1,097,356	2,563,660	3,396,945
Net interest income	2,835,526	2,550,154	8,409,104	7,436,219
Provision for loan losses	563,609	423,925	1,558,960	1,107,611
Net interest income after provision for loan losses	2,271,917	2,126,229	6,850,144	6,328,608
Noninterest income:
Customer service fees	512,196	466,696	1,412,943	1,333,646
Other charges and fees	404,614	357,931	1,157,130	1,070,010
Investment sales commissions	155,635	76,759	355,349	206,954
Increase in cash surrender value of life insurance	87,191	90,087	261,029	229,686
Other noninterest income	123,387	112,256	294,577	375,437
Total noninterest income	1,283,023	1,103,729	3,481,028	3,215,733
Noninterest expenses:
Salaries and employee benefits	1,665,845	1,476,559	4,932,326	4,518,584
Occupancy and equipment	336,611	342,581	985,729	1,031,485
Federal deposit insurance premiums	19,644	68,257	154,474	251,238
Data processing	170,699	159,687	510,710	480,666
Advertising	42,508	40,546	142,457	123,971
Other operating expenses	646,719	655,995	1,859,479	2,953,943
Total noninterest expenses	2,882,026	2,743,625	8,585,175	9,359,887
Income before income taxes	672,914	486,333	1,745,997	184,454
Income tax (benefit) expense	209,527	136,985	551,609	(58,706)
Net income	$ 463,387	$ 349,348	$ 1,194,388	$ 243,160
Earnings per common share:
Basic	$ 0.18	$ 0.13	$ 0.47	$ 0.09
Diluted	$ 0.18	$ 0.13	$ 0.46	$ 0.09
Dividends per common share	$ 0.05	$ 0.05	$ 0.15	$ 0.05