CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,558,192	$ 2,791,665
Depreciation, amortization and accretion:
Premises and equipment	288,420	249,543
Amortization of investment premiums and discounts, net	812,252	559,673
Accretion of loan discounts	(388)	(37,228)
Net realized gains on sales of available-for-sale securities	(859,670)	(926,188)
Provision for loan losses	40,000	370,000
Mortgage banking operations, net	(194,456)	(397,560)
Gain on sale of real estate owned		(50,185)
Loss on sale of premises and fixed assets	74,432
Shares held by ESOP committed to be released	31,326	25,642
Tax benefit related to stock options exercised	1,796	1,291
Stock based compensation expense	67,436	45,205
Changes in income taxes payable	(222,345)	213,219
Changes in assets and liabilities	426,093	(333,400)
Net cash provided by operations before loan sales	3,023,088	2,511,677
Origination of loans for sale to secondary market	(20,938,733)	(37,156,903)
Proceeds from sales of loans to secondary market	20,573,634	37,502,084
Net cash provided by operating activities	2,657,989	2,856,858
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment and mortgage-backed securities	(39,747,350)	(44,506,127)
Purchase of interest-earning time deposits in other banks		(496,000)
Maturity or call of investment securities available-for-sale	2,000,000	8,328,000
Sale of investment securities available-for-sale	25,258,182	23,198,514
Principal payments on mortgage-backed and investment securities	9,203,109	8,060,305
Purchase of bank-owned life insurance		(2,000,000)
Proceeds from sale of real estate owned		332,261
Proceeds from the sale of premises and fixed assets	264,371
Net increase in loans	(708,647)	(1,252,149)
Additions to premises and equipment	(229,962)	(374,274)
Net cash used in investing activities	(3,960,297)	(8,709,470)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	(10,865,841)	4,292,001
Net increase in other borrowings	12,205,138	51,883
Decrease in advance payments by borrowers for taxes and insurance	(404,632)	(263,099)
Stock repurchases	(1,016,838)
Exercise of stock options	88,458	15,499
Purchase and retirement of treasury stock related to stock options	(25,013)
Dividends paid - common stock	(420,728)	(424,015)
Net cash provided by (used in) financing activities	(439,456)	3,672,269
NET DECREASE IN CASH AND CASH EQUIVALENTS	(1,741,764)	(2,180,343)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	7,293,711	11,387,947
CASH AND CASH EQUIVALENTS, END OF PERIOD	5,551,947	9,207,604
Cash paid during the year for:
Interest on deposits	1,413,289	1,805,020
Interest on other borrowings	7,881	10,739
Income taxes paid	1,203,673	872,000
NONCASH INVESTING AND FINANCING ACTIVITIES:
Real estate acquired in settlement of loans	89,600	217,130
Loans to facilitate sales of real estate owned		$ 182,250