CONDENSED CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME:
Loans	$ 2,711,572	$ 2,683,484	$ 5,366,978	$ 5,354,746
Investment securities	516,333	451,523	1,002,231	851,157
Mortgage-backed securities	366,951	246,749	646,715	407,627
Other	640	2,115	2,339	4,564
Total interest income	3,595,496	3,383,871	7,018,263	6,618,094
INTEREST EXPENSE:
Deposits	747,041	1,006,361	1,547,130	2,058,935
Other borrowings	5,238	2,432	9,865	4,612
Total interest expense	752,279	1,008,793	1,556,995	2,063,547
NET INTEREST INCOME	2,843,217	2,375,078	5,461,268	4,554,547
PROVISION FOR LOAN LOSSES	150,000	850,000	325,000	1,125,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	2,693,217	1,525,078	5,136,268	3,429,547
NON-INTEREST INCOME:
Fiduciary activities	57,688	42,397	117,708	84,818
Commission income	347,187	213,055	759,927	473,999
Service charges on deposit accounts	232,858	253,718	452,023	484,937
Mortgage banking operations, net	58,689	77,431	66,577	125,934
Net realized gains on sales of available-for-sale securities	55,713	204,020	109,218	344,048
Loan servicing fees	92,243	92,004	186,605	184,612
Other	130,331	141,088	267,414	276,496
Total non-interest income	974,709	1,023,713	1,959,472	1,974,844
NON-INTEREST EXPENSE:
Salaries and employee benefits	1,554,657	1,390,347	3,083,776	2,779,458
Occupancy and equipment	255,588	237,853	494,828	497,888
Data processing and telecommunications	137,935	114,910	284,361	231,986
Professional	46,226	42,324	96,607	79,389
Postage and office supplies	62,591	76,935	139,851	145,569
Deposit insurance premium	53,830	101,802	150,456	204,833
Impairment on mortgage servicing rights asset		165,651		165,651
Other	283,858	347,364	574,466	620,037
Total non-interest expense	2,394,685	2,477,186	4,824,345	4,724,811
INCOME BEFORE INCOME TAXES	1,273,241	71,605	2,271,395	679,580
INCOME TAXES (BENEFIT)	368,407	(108,519)	631,822	599
NET INCOME	$ 904,834	$ 180,124	$ 1,639,573	$ 678,981
NET INCOME PER COMMON SHARE - BASIC	$ 0.48	$ 0.09	$ 0.87	$ 0.35
NET INCOME PER COMMON SHARE - DILUTED	$ 0.48	$ 0.09	$ 0.87	$ 0.35