Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 1,194,388	$ 243,160
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	337,619	404,358
Amortization of securities and other assets	321,680	227,903
Provision for loan losses	1,558,960	1,107,611
Deferred income taxes	(125,967)	118,492
Other gains and losses, net	(67,765)	(34,827)
Stock compensation expense	221,202
Net change in:
Cash surrender value of life insurance	(225,490)	(175,518)
Loans held for sale	(356,775)	(172,450)
Accrued interest receivable	(448)	(110,256)
Accrued interest payable	(36,870)	(6,125)
Prepaid FDIC assessment	165,213	213,870
Other assets and liabilities	259,206	569,616
Net cash provided by operating activities	3,244,953	2,385,834
CASH FLOWS FROM INVESTING ACTIVITIES:
Net change in interest-bearing deposits	498,000	(4,468,000)
Securities available for sale:
Purchases	(9,520,985)	(16,997,266)
Maturities, prepayments and calls	14,189,463	5,472,262
Sales	378,100
Securities held to maturity:
Principal repayments received	25	28
Loan originations and principal collections, net	(6,542,602)	(10,343,071)
Purchases of premises and equipment	(277,011)	(173,922)
Purchase of bank owned life insurance		(2,200,000)
Proceeds from sale of foreclosed real estate	1,068,287	1,199,297
Net cash used in investing activities	(206,723)	(27,510,672)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	3,461,022	(13,295,876)
Net increase (decrease) in securities sold under agreements to repurchase	1,087,884	(88,290)
Proceeds from issuance of common stock		24,285,400
Purchase of Company common stock	(623,740)
Dividends paid	(384,854)	(127,752)
Stock purchased by restricted stock trust	(225,780)
Repayment of Federal Home Loan Bank advances	(85,633)	(2,082,339)
Net cash provided by financing activities	3,228,899	8,691,143
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	6,267,129	(16,433,695)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	14,316,299	40,707,334
CASH AND CASH EQUIVALENTS, END OF PERIOD	20,583,428	24,273,639
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid on deposits and borrowed funds	2,600,530	3,403,070
Income taxes paid	822,214	530,477
SUPPLEMENTAL DISCLOSURE OF NONCASH INVESTING ACTIVITIES:
Acquisition of real estate acquired through foreclosure	$ 611,353	$ 1,913,659