CONDENSED CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
INTEREST INCOME:
Loans	$ 2,515,263	$ 2,724,942	$ 7,517,252	$ 8,091,921
Investment securities	477,945	508,445	1,504,186	1,510,676
Mortgage-backed securities	187,018	309,750	645,212	956,464
Other	10,931	281	34,696	2,620
Total interest income	3,191,157	3,543,418	9,701,346	10,561,681
INTEREST EXPENSE:
Deposits	573,449	680,693	1,761,913	2,227,822
Other borrowings	4,056	3,936	10,739	13,801
Total interest expense	577,505	684,629	1,772,652	2,241,623
NET INTEREST INCOME	2,613,652	2,858,789	7,928,694	8,320,058
PROVISION FOR LOAN LOSSES	120,000	150,000	370,000	475,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	2,493,652	2,708,789	7,558,694	7,845,058
NON-INTEREST INCOME:
Fiduciary activities	72,443	50,613	211,163	168,321
Commission income	206,130	349,543	718,359	1,109,470
Service charges on deposit accounts	237,477	247,577	636,971	699,600
Mortgage banking operations, net	183,827	100,920	397,560	167,496
Net realized gains on sales of available-for-sale securities	399,280	29,073	926,188	138,291
Loan servicing fees	90,336	91,403	269,365	278,007
Other	170,180	132,132	490,236	399,547
Total non-interest income	1,359,673	1,001,261	3,649,842	2,960,732
NON-INTEREST EXPENSE:
Salaries and employee benefits	1,594,741	1,549,788	4,770,124	4,633,564
Occupancy and equipment	242,599	258,596	732,610	753,424
Data processing and telecommunications	130,885	136,737	401,079	421,099
Professional	61,809	54,428	195,058	151,036
Postage and office supplies	63,124	62,400	197,373	202,252
Deposit insurance premium	40,586	47,689	118,004	198,145
Impairment on mortgage servicing rights asset		48,386		48,386
Other	271,858	334,727	919,152	909,190
Total non-interest expense	2,405,602	2,492,751	7,333,400	7,317,096
INCOME BEFORE INCOME TAXES	1,447,723	1,217,299	3,875,136	3,488,694
INCOME TAXES	417,870	345,616	1,083,471	977,438
NET INCOME	$ 1,029,853	$ 871,683	$ 2,791,665	$ 2,511,256
NET INCOME PER COMMON SHARE - BASIC	$ 0.55	$ 0.46	$ 1.48	$ 1.33
NET INCOME PER COMMON SHARE - DILUTED	$ 0.55	$ 0.46	$ 1.48	$ 1.33