CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,320,782	$ 2,558,192
Depreciation, amortization and accretion:
Premises and equipment	288,269	288,420
Amortization of investment premiums and discounts, net	554,335	812,252
Accretion of loan discounts	(388)	(388)
Net realized gains on sales of available-for-sale securities	(299,835)	(859,670)
Provision for loan losses	90,000	40,000
Mortgage banking operations, net	(107,787)	(194,456)
Gain on sale of real estate owned	5,220
Loss on sale of premises and fixed assets		74,432
Shares held by ESOP commited to be released	35,494	31,326
Tax benefit related to stock options exercised	3,513	1,796
Stock based compensation expense	67,437	67,436
Changes in income taxes payable	179,017	(222,345)
Changes in assets and liabilities	721,006	426,093
Net cash provided by operations before loan sales	3,857,063	3,023,088
Origination of loans for sale to secondary market	(10,052,228)	(20,938,733)
Proceeds from sales of loans to secondary market	10,067,718	20,573,634
Net cash provided by operating activities	3,872,553	2,657,989
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment and mortgage-backed securities	(22,621,089)	(39,747,350)
Maturity or call of investment securities available-for-sale	725,000	2,000,000
Sale of investment securities available-for-sale	22,940,767	25,258,182
Principal payments on mortgage-backed and investment securities	4,909,215	9,203,109
Proceeds from sale of real estate owned	109,715
Proceeds from the sale of premises and equipment		264,371
Net increase in loans	(1,535,324)	(708,647)
Additions to premises and equipment	(95,588)	(229,962)
Net cash provided by (used in) investing activities	4,432,696	(3,960,297)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in deposits	(10,950,025)	(10,865,841)
Net increase in other borrowings	1,873,499	12,205,138
Decrease in advance payments by borrowers for taxes and insurance	(366,270)	(404,632)
Stock repurchases	(481,000)	(1,016,838)
Exercise of stock options	230,978	88,458
Purchase and retirement of treasury stock related to stock options	(129,848)	(25,013)
Dividends paid - common stock	(429,185)	(420,728)
Net cash used in financing activities	(10,251,851)	(439,456)
NET DECREASE IN CASH AND CASH EQUIVALENTS	(1,946,602)	(1,741,764)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	6,098,870	7,293,711
CASH AND CASH EQUIVALENTS, END OF PERIOD	4,152,268	5,551,947
Cash paid during the year for:
Interest on deposits	1,143,068	1,413,289
Interest on other borrowings	8,536	7,881
Income taxes paid	572,000	1,203,673
NONCASH INVESTING AND FINANCING ACTIVITIES:
Real estate acquired in settlement of loans	252,465	89,600
Loans to facilitate sales of real estate owned	$ 145,000