Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities:
Net income	$ 1,790,260	$ 1,296,585
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	315,000	315,000
Provision for foreclosed asset losses	0	225,000
Depreciation	678,783	647,841
Net amortization of investment securities	271,978	251,629
Income on cash surrender value of bank owned life insurance	(130,581)	(129,110)
Amortization of intangibles	161,775	165,556
Loss on sale/writedown of foreclosed assets	142,757	84,481
Net gain on sale of securities	0	(337,804)
Net loss on disposal of other assets	(28,670)	(4,453)
Change in:
Funds held related to mortgage banking activities	410,886	(545,616)
Other assets	(65,647)	(202,712)
Other liabilities	(413,994)	(181,041)
Net cash provided by operating activities	3,132,547	1,585,356
Cash flows from investing activities:
Proceeds from calls, paydowns and maturities of securities HTM	7,336,830	10,194,312
Proceeds from calls, paydowns and maturities of securities AFS	3,939,845	6,782,254
Proceeds from sale of securities available for sale	0	8,833,839
Purchase of securities held to maturity	(8,112,143)	(15,259,673)
Purchase of securities available for sale	(16,615,303)	(897,667)
Purchase of certificates of deposit in other banks	(245,000)	(735,000)
Net change in loans	(17,519,842)	(22,538,434)
Purchase of bank owned life insurance	(116,000)	0
Proceeds from bank owned life insurance	68,505	0
Purchase of premises and equipment	(668,091)	(1,272,409)
Proceeds from sales of other assets	1,120,298	915,217
Net cash used in for investing activities	(30,810,901)	(13,977,561)
Cash flows from financing activities:
Net change in deposits	16,895,273	28,740,038
Payment of short-term portion of long-term debt	(2,000,000)	(2,000,000)
Proceeds from issuance of long-term debt	9,000,000	0
Cash dividends paid	(305,740)	(305,740)
Net cash provided for financing activities	23,589,533	26,434,298
Increase (decrease) in cash and cash equivalents	(4,088,821)	14,042,093
Cash and cash equivalents - beginning of period	36,581,052	21,050,406
Cash and cash equivalents - end of period	32,492,231	35,092,499
NONCASH ITEMS:
Increase in foreclosed properties and decrease in loans	104,330	688,000
Unrealized gain (loss) on securities available for sale	(837,863)	(640,289)
Adjustment to Directors' deferred compensation liability	(33,000)	0
Net reclass between short and long-term debt	$ 10,000,000	$ 2,000,000