CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME:
Interest and fees on loans	$ 2,979,375	$ 3,257,056	$ 5,985,094	$ 6,506,372
Interest on investment securities:
Taxable interest income	762,632	1,075,002	1,673,811	2,278,807
Exempt from federal taxes	361,846	415,468	748,402	836,492
Interest on federal funds sold	48	29	91	74
Total interest income	4,103,901	4,747,555	8,407,398	9,621,745
INTEREST EXPENSE:
Interest on deposits	647,915	825,599	1,317,935	1,674,872
Interest on Federal Home Loan Bank advances	69,040	72,517	138,552	150,776
Interest on trust preferred securities	43,652	43,579	86,817	86,117
Interest on securities sold under repurchase agreements	448,009	524,269	893,279	1,044,757
Total interest expense	1,208,616	1,465,964	2,436,583	2,956,522
NET INTEREST INCOME	2,895,285	3,281,591	5,970,815	6,665,223
Provision for loan losses	562,000	200,000	1,312,000	1,299,996
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	2,333,285	3,081,591	4,658,815	5,365,227
OTHER INCOME:
Service charges on deposit accounts	367,164	368,430	713,625	727,643
Income from fiduciary activities	749	714	2,034	1,491
Gain/(loss) on sale of mortgage loans	107,689	42,958	253,606	71,931
Gain/(loss) on sale/matured securities	655,584	0	1,322,577	447,530
Other	301,839	299,394	672,492	578,707
Total other income	1,433,025	711,496	2,964,334	1,827,302
OTHER EXPENSES:
Salaries	1,538,589	1,487,803	3,097,377	3,040,188
Employee benefits	218,445	228,713	429,399	451,261
Director fees	37,459	41,387	74,518	78,237
Net occupancy expense	278,529	272,186	541,529	528,788
Equipment expenses	280,529	311,741	543,701	630,349
FDIC assessment	115,236	91,495	224,222	219,459
Advertising	36,998	38,385	80,199	84,433
Stationery and supplies	30,833	38,512	66,546	79,843
Audit expense	65,500	63,455	131,000	126,911
Other real estate expense, net	380,982	18,924	386,422	11,888
Amortization of deposit premium	26,904	26,904	53,808	53,808
Other	613,901	596,273	1,128,733	1,430,453
Total other expenses	3,623,905	3,215,778	6,757,454	6,735,618
INCOME BEFORE INCOME TAX EXPENSE	142,405	577,309	865,695	456,911
Income tax expense/(benefit)	(86,706)	73,458	61,164	(110,232)
NET INCOME	$ 229,111	$ 503,851	$ 804,531	$ 567,143
EARNINGS PER SHARE DATA:
Basic earnings per share (in dollars per share)	$ 0.11	$ 0.24	$ 0.38	$ 0.27
Basic weighted shares outstanding (in shares)	2,142,466	2,135,466	2,139,643	2,133,179
Diluted earnings per share (in dollars per share)	$ 0.11	$ 0.24	$ 0.38	$ 0.27
Diluted weighted shares outstanding (in shares)	2,143,497	2,136,450	2,140,714	2,134,092
Cash dividends per share (in dollars per share)	$ 0.18	$ 0.18	$ 0.36	$ 0.36