Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
OPERATING ACTIVITIES
Net Income	$ 1,622,860	$ 1,817,974
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses		600,000
Depreciation	383,288	362,390
Amortization of investment securities, net	427,979	177,273
Investment security gains	(343,950)	(642,997)
Loss on disposal of premises and equipment	4,687
Increase in cash surrender value of bank-owned life insurance	(79,366)	(76,929)
Increase in interest receivable	(45,342)	(119,595)
Decrease in interest payable	(46,944)	(63,989)
Other, net	(1,040,971)	927,355
Net cash provided by operating activities	882,241	2,981,482
INVESTING ACTIVITIES
Net decrease in loans, net of charge-offs	8,692,361	6,895,105
Recoveries on loans previously charged-off	19,016	52,178
Proceeds from sales of securities available-for-sale	10,005,882	18,299,847
Proceeds from maturities of securities available-for-sale	23,822,977	33,350,126
Principal collected on mortgage-backed securities	12,719,445	14,302,668
Purchases of securities available-for-sale	(58,836,119)	(72,559,191)
Purchases of premises and equipment	(883,206)	(382,861)
Net cash used in investing activities	(4,459,644)	(42,128)
FINANCING ACTIVITIES
Net increase in deposits	143,756	6,985,022
Dividends paid	(942,104)	(942,104)
Increase in short-term borrowings	4,556,644	3,434,775
Decrease in Federal Home Loan Bank borrowings	(64,563)	(61,556)
Net cash provided by financing activities	3,693,733	9,416,137
INCREASE IN CASH AND CASH EQUIVALENTS	116,330	12,355,491
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	20,916,773	9,932,613
CASH AND CASH EQUIVALENTS, END OF PERIOD	21,033,103	22,288,104
Supplemental Disclosures:
Cash Paid for Interest	1,423,843	1,774,304
Cash Paid for Income Taxes	$ 248,750	$ 161,183