CONDENSED CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2013	Dec. 31, 2012
ASSETS
Cash and cash equivalents	$ 5,551,947	$ 7,293,711
Interest-earning time deposits in banks	2,972,000	2,972,000
Available for sale	113,430,738	115,387,823
Federal Home Loan Bank stock	1,113,800	1,113,800
Other investment securities	84,616	96,041
Loans held for sale - net	1,287,916	711,986
Loans receivable - net of allowance for loan losses of $3,264,496 and $3,339,464 as of September 30, 2013 and December 31, 2012	174,332,494	173,753,059
Premises and equipment - net	5,257,515	5,654,776
Cash surrender value of life insurance	6,766,550	6,612,642
Accrued interest receivable	2,890,297	2,053,472
Goodwill	2,726,567	2,726,567
Capitalized mortgage servicing rights, net of valuation allowance of $110,751 and $129,279 as of September 30, 2013 and December 31, 2012	648,061	664,436
Real estate owned	226,793	137,193
Deferred income taxes	2,267,487	464,548
Other assets	1,117,030	1,804,184
Total Assets	320,673,811	321,446,238
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits	247,654,888	258,520,729
Other borrowings	24,945,748	12,740,610
Advance payments by borrowers for taxes and insurance	427,713	832,345
Accrued interest payable	221,594	276,757
Deferred compensation payable	3,917,529	3,707,402
Income taxes payable		214,115
Other liabilities	1,600,692	1,033,951
Total liabilities	278,768,164	277,325,909
Commitments and contingencies
Preferred stock, $0.01 par value - authorized 10,000,000 shares; none issued and outstanding
Common stock, $0.01 par value - authorized 25,000,000 shares; issued 1,861,254 shares as of September 30, 2013 and 1,908,556 shares as of December 31, 2012	18,613	19,086
Additional paid-in-capital	15,074,441	15,943,273
Retained earnings	27,723,221	25,585,757
Less: Unallocated ESOP shares	(307,910)	(324,380)
Accumulated other comprehensive income (loss)	(602,718)	2,896,593
Total stockholders' equity	41,905,647	44,120,329
Total Liabilities and Stockholders' Equity	320,673,811	321,446,238
Investment Securities
ASSETS
Available for sale	61,681,620	63,431,342
Mortgage-backed securities (government-sponsored enterprises - residential)
ASSETS
Available for sale	$ 51,749,118	$ 51,956,481