CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 394,476	$ 1,912,745
Adjustments to reconcile net income to net cash provided by operating activities:
Deferred income taxes (benefit)	(1,087,104)	485,249
Provision for loan losses	4,692,000	1,675,000
Provision for depreciation	611,997	756,295
Stock dividends received	(2,900)	(7,100)
Write-down of other real estate	244,143	780,168
(Gain) on sale of mortgage loans	(508,013)	(275,114)
(Gain) on sale of investment securities	(2,654,054)	(465,465)
(Gain) Loss on sale of other real estate	24,355	(648,469)
(Gain) Loss on sale of other repossessed assets	474	0
Net amortization (accretion) of securities	702,189	111,412
Amortization of acquisition premium	107,616	107,616
Unearned compensation	10,173	(47,469)
Net change in:
Loans held for sale	3,159,545	(5,289,951)
Accrued interest receivable	446,291	221,018
Cash surrender value of life insurance	(44,081)	(45,621)
Other assets	1,581,831	779,807
Accrued interest payable	(82,326)	(135,157)
Accrued taxes and other liabilities	(1,272,331)	(36,287)
Net Cash Provided by (Used in) Operating Activities	6,324,281	(121,323)
CASH FLOWS FROM INVESTING ACTIVITIES:
(Increase) decrease in federal funds sold	112,497	(53,698)
Proceeds from sales, principal pay-downs and maturities of investment securities held-to-maturity	14,008,419	5,264,312
Proceeds from sales, principal pay-downs and maturities of investment securities available-for-sale	68,362,835	45,240,358
Proceeds from redemption of Federal Home Loan Bank stock	375,700	2,094,000
Purchases of investment securities available-for-sale	(61,344,923)	(44,450,355)
Purchase of other equity securities	(174,800)	(660,000)
Net (increase)/decrease in loans	22,590,276	6,424,360
Proceeds from sale of other real estate	840,139	1,350,037
Proceeds from sale and transfer of other repossessed assets	8,976	0
Purchases of premises and equipment	(320,843)	(324,472)
Net Cash provided by (Used in) Investing Activities	44,458,276	14,884,542
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in customer deposits	(916,448)	7,103,364
Net increase (decrease) in brokered deposits	5,431,461	497,047
Net increase (decrease) in Federal Home Loan Bank advances	(8,457,000)	(23,565,752)
Net increase (decrease) in securities sold under repurchase agreements	(2,881,260)	(1,845,430)
Increase (decrease) in advances from borrowers for taxes and insurance	(54,314)	(13,372)
Cash dividends paid	(1,155,672)	(1,537,536)
Common stock issued	52,551	107,100
Fair value of unexercised stock options	1,989	6,572
Net Cash Provided by (Used in) Financing Activities	(7,978,693)	(19,248,007)
NET INCREASE/(DECREASE) IN CASH AND DUE FROM BANKS	42,803,864	(4,484,788)
CASH AND DUE FROM BANKS AT BEGINNING OF YEAR	5,818,853	10,303,641
CASH AND DUE FROM BANKS AT END OF YEAR	48,622,717	5,818,853
Cash payments for:
Income taxes	664,193	(74,320)
Interest on deposits and borrowings	4,417,317	5,839,893
SCHEDULE OF NONCASH INVESTING AND FINANCING ACTIVITIES:
Transfers to other real estate/other repossessed assets	1,639,721	3,969,718
Change in unrealized (gains) losses on securities available-for-sale	(637,563)	(558,738)
Change in the deferred tax effect in unrealized gains (losses) on securities available-for-sale	$ (237,811)	$ (208,409)