CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 839,789	$ 1,012,448
Depreciation, amortization and accretion:
Premises and equipment	100,458	96,092
Amortization of investment and loan premiums and discounts, net	131,654	290,595
Net realized gains on sales of available-for-sale securities	(99,855)	(584,231)
Provision for loan losses	30,000	30,000
Mortgage banking operations, net	(12,412)	(70,617)
Shares held by ESOP committed to be released	11,304	10,184
Stock based compensation expense	22,232	22,232
Changes in income taxes payable	244,296	229,501
Changes in assets and liabilities	643,534	126,718
Net cash provided by operations before loan sales	1,911,000	1,162,922
Origination of loans for sale to secondary market	(2,454,771)	(7,346,813)
Proceeds from sales of loans to secondary market	1,624,949	7,808,255
Net cash provided by operating activities	1,081,178	1,624,364
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment and mortgage-backed securities	(7,160,293)	(16,575,899)
Maturity or call of investment securities available-for-sale		1,000,000
Sale of investment securities available-for-sale	6,638,996	14,424,509
Principal payments on mortgage-backed and investment securities	1,535,854	3,555,597
Net decrease in loans	2,974,304	5,521,899
Additions to premises and equipment	(66,411)	(143,291)
Net cash provided by investing activities	3,922,450	7,782,815
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	4,468,339	3,352,909
Net decrease in other borrowings	(10,497,885)	(8,937,596)
Increase in advance payments by borrowers for taxes and insurance	426,034	326,959
Exercise of stock options	43,562	30,784
Stock repurchase	(334,770)
Dividends paid - common stock	(142,315)	(143,306)
Net cash used in financing activities	(6,037,035)	(5,370,250)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(1,033,407)	4,036,929
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	6,098,870	7,293,711
CASH AND CASH EQUIVALENTS, END OF PERIOD	5,065,463	11,330,640
Cash paid during the period for:
Interest on deposits	398,194	488,065
Interest on other borrowings	3,719	2,641
Income taxes paid	$ 70,000	$ 210,073