Consolidated Balance Sheets (USD $)	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks	$ 8,646,515	$ 6,552,358
Interest-bearing deposits in other banks	27,934,537	14,498,048
Cash and cash equivalents	36,581,052	21,050,406
Certificates of deposit in other banks	3,920,000	980,000
Investment securities available for sale, at fair value	21,672,040	28,640,832
Investment securities to be held to maturity (fair value approximates $62,084,319 and $54,158,523)	59,863,489	52,338,728
Loans, net of allowance for loan losses of $2,844,903 and $3,100,000	201,292,113	178,202,314
Premises and equipment, net	10,149,290	9,942,429
Foreclosed assets, net	1,689,861	2,357,695
Intangible assets	327,038	546,519
Bank owned life insurance	4,766,513	4,593,385
Other assets	5,472,526	5,211,208
Total assets	347,181,422	305,650,016
Deposits:
NOW accounts	28,881,314	29,841,315
Money Market	77,132,984	45,638,259
Savings	25,988,297	24,366,536
Certificates of deposit $100,000 and over	36,590,450	32,629,146
Other time accounts	55,097,669	59,950,041
Total interest-bearing deposits	223,690,714	192,425,297
Noninterest-bearing deposits	68,071,346	56,485,602
Total deposits	291,762,060	248,910,899
Short-term borrowed funds	2,000,000	2,000,000
Long-term debt	20,000,000	22,000,000
Other liabilities	3,544,354	4,188,232
Total liabilities	317,306,414	277,099,131
Stockholders' equity:
Common stock – $1 par value, 5,000,000 shares authorized, 4,293,835 shares issued	4,293,835	4,293,835
Additional paid-in capital	31,701,533	31,701,533
Retained earnings	20,663,681	19,132,249
Accumulated other comprehensive income (loss)	(670,246)	(462,937)
Treasury stock, at cost 1,745,998 shares for 2012 and 2011	(26,113,795)	(26,113,795)
Total stockholders' equity	29,875,008	28,550,885
Total liabilities and stockholders' equity	$ 347,181,422	$ 305,650,016