CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 1,464,767	$ 1,772,523
Depreciation, amortization and accretion:
Premises and equipment	194,456	188,640
Amortization of investment premiums and discounts, net	329,580	574,012
Accretion of loan discounts	(259)	(259)
Net realized gains on sales of available-for-sale securities	(161,582)	(688,899)
Provision for loan losses	60,000	30,000
Mortgage banking operations, net	(62,246)	(146,461)
Loss on sale of real estate owned	5,569
Shares held by ESOP committed to be released	23,125	20,697
Tax benefit related to stock options exercised	3,860	1,796
Stock option compensation expense	44,711	44,711
Changes in income taxes payable	(82,389)	(467,271)
Changes in assets and liabilities	1,207,100	1,154,674
Net cash provided by operations before loan sales	3,026,692	2,484,163
Origination of loans for sale to secondary market	(6,074,896)	(14,825,738)
Proceeds from sales of loans to secondary market	5,933,423	14,951,997
Net cash provided by operating activities	2,885,219	2,610,422
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment and mortgage-backed securities	(12,590,753)	(26,942,590)
Maturity or call of investment securities available-for-sale		1,500,000
Sale of investment securities available-for-sale	13,337,041	18,021,637
Principal payments on mortgage-backed and investment securities	3,181,765	6,559,637
Proceeds from sale of real estate owned	78,930
Net decrease in loans	6,683,166	4,845,484
Additions to premises and equipment	(74,940)	(135,483)
Net cash provided by investing activities	10,615,209	3,848,685
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	347,666	(136,245)
Net decrease in other borrowings	(14,302,568)	(5,643,553)
Increase in advance payments by borrowers for taxes and insurance	161,866	91,942
Exercise of stock options	149,252	86,893
Stock repurchases	(370,732)	(232,063)
Dividends paid - common stock	(285,987)	(283,542)
Net cash used in financing activities	(14,300,503)	(6,116,568)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(800,075)	342,539
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	6,098,870	7,293,711
CASH AND CASH EQUIVALENTS, END OF PERIOD	5,298,795	7,636,250
Cash paid during the year for:
Interest on deposits	784,386	957,159
Interest on other borrowings	6,179	5,241
Income taxes paid	572,000	1,176,073
NONCASH INVESTING AND FINANCING ACTIVITIES:
Loans to facilitate sales of real estate owned	$ 90,000