CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 1,772,523	$ 1,761,813
Depreciation, amortization and accretion:
Premises and equipment	188,640	166,365
Amortization of investment premiums and discounts, net	574,012	334,966
Accretion of loan discounts	(259)	(37,228)
Net realized gains on sales of available-for-sale securities	(688,899)	(526,908)
Provision for loan losses	30,000	250,000
Mortgage banking operations, net	(146,461)	(213,732)
Gain on sale of real estate owned		(30,609)
Shares held by ESOP committed to be released	20,697	16,725
Tax benefit related to stock options exercised	1,796	1,291
Stock option compensation expense	44,711	22,479
Changes in income taxes payable	(467,271)	(205,437)
Changes in assets and liabilities	1,154,674	357,497
Net cash provided by operations before loan sales	2,484,163	1,897,222
Origination of loans for sale to secondary market	(14,825,738)	(23,066,615)
Proceeds from sales of loans to secondary market	14,951,997	23,082,599
Net cash provided by operating activities	2,610,422	1,913,206
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment and mortgage-backed securities	(26,942,590)	(33,802,052)
Purchases of interest-earning time deposits in other banks		(496,000)
Maturity or call of investment securities available-for-sale	1,500,000	7,328,000
Sale of investment securities available-for-sale	18,021,637	14,854,329
Principal payments on mortgage-backed and investment securities	6,559,637	4,707,101
Purchase of bank-owned life insurance		(2,000,000)
Proceeds from sale of real estate owned		327,395
Net (increase) decrease in loans	4,845,484	(1,551,536)
Additions to premises and equipment	(135,483)	(219,979)
Net cash provided by (used in) investing activities	3,848,685	(10,852,742)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	(136,245)	7,312,687
Net decrease in other borrowings	(5,643,553)	(408,050)
Increase in advance payments by borrowers for taxes and insurance	91,942	212,046
Exercise of stock options	86,893	15,499
Purchase and retirement of treasury stock related to stock options	(23,454)
Stock repurchases	(208,609)
Dividends paid - common stock	(283,542)	(282,562)
Net cash provided by (used in) financing activities	(6,116,568)	6,849,620
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	342,539	(2,089,916)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	7,293,711	11,387,947
CASH AND CASH EQUIVALENTS, END OF PERIOD	7,636,250	9,298,031
Cash paid during the year for:
Interest on deposits	957,159	1,213,658
Interest on other borrowings	5,241	6,683
Income taxes paid	1,176,073	872,000
NONCASH INVESTING AND FINANCING ACTIVITIES:
Real estate acquired in settlement of loans		217,130
Loans to facilitate sales of real estate owned		$ 42,750