Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Loans, including fees:
Taxable	$ 1,185,219	$ 1,343,667
Tax-exempt	102,562	122,511
Debt securities:
Taxable	548,636	631,987
Tax-exempt	455,143	420,056
Dividends	832	247
Other interest income	10,379	12,986
Total interest and dividend income	2,302,771	2,531,454
INTEREST EXPENSE
Deposits	313,419	417,699
Federal funds purchased and repurchase agreements	30,801	26,908
Federal Home Loan Bank borrowings	42,982	44,023
Total interest expense	387,202	488,630
Net interest income	1,915,569	2,042,824
PROVISION FOR LOAN LOSSES
Net interest income after provision for loan losses	1,915,569	2,042,824
NONINTEREST INCOME
Service charges and other fees	98,404	110,655
Net gains on available for sale securities	14
Other operating income	173,847	197,340
Total noninterest income	272,265	307,995
NONINTEREST EXPENSE
Salary and employee benefits	915,541	925,726
Net occupancy expense of premises	408,077	393,036
Other operating expenses	566,995	584,340
Total noninterest expense	1,890,613	1,903,102
Income before income taxes	297,221	447,717
INCOME TAX EXPENSE (BENEFIT)	(84,116)	(22,283)
Net income	$ 381,337	$ 470,000
WEIGHTED AVERAGE SHARES OUTSTANDING	1,718,730	1,718,730
EARNINGS PER COMMON SHARE	$ 0.22	$ 0.28
DIVIDENDS PER COMMON SHARE	$ 0.19	$ 0.18