Consolidated Balance Sheets (Unaudited) (USD $)	Jun. 30, 2011	Dec. 31, 2010	Jun. 30, 2010
Assets
Cash and due from banks	$ 26,403,787	$ 51,441,652	$ 13,877,912
Federal funds sold and overnight deposits	1,000	6,635	5,213
Total cash and cash equivalents	26,404,787	51,448,287	13,883,125
Securities held-to-maturity (fair value $22,624,000 at 06/30/11, $38,157,000 at 12/31/10 and $31,431,000 at 06/30/10)	21,939,781	37,440,714	30,826,040
Securities available-for-sale	27,570,328	21,430,436	22,619,810
Restricted equity securities, at cost	4,308,550	4,308,550	3,906,850
Loans held-for-sale	1,555,288	2,363,938	497,219
Loans	391,966,557	389,068,859	385,285,467
Allowance for loan losses	(3,851,369)	(3,727,935)	(3,439,261)
Unearned net loan fees	(38,803)	(74,351)	(96,979)
Net loans	388,076,385	385,266,573	381,749,227
Bank premises and equipment, net	12,612,777	12,791,971	13,060,307
Accrued interest receivable	1,565,196	1,789,621	1,746,552
Bank owned life insurance	3,997,996	3,933,331	3,872,625
Core deposit intangible	1,917,389	2,130,432	2,396,736
Goodwill	11,574,269	11,574,269	11,574,269
Other real estate owned (OREO)	131,000	1,210,300	1,070,500
Prepaid expense Federal Deposit Insurance Corporation (FDIC)	1,296,684	1,533,157	1,813,292
Other assets	10,337,162	8,711,070	8,687,763
Total assets	513,287,592	545,932,649	497,704,315
Deposits:
Demand, non-interest bearing	56,759,900	55,570,893	53,915,653
NOW	98,805,676	108,957,174	78,120,488
Money market funds	58,755,721	73,470,728	50,201,942
Savings	62,043,869	56,461,370	56,945,942
Time deposits, $100,000 and over	50,591,697	52,014,363	51,412,874
Other time deposits	89,983,451	91,717,735	95,327,459
Total deposits	416,940,314	438,192,263	385,924,358
Federal funds purchased and other borrowed funds	18,010,000	33,010,000	37,843,000
Repurchase agreements	20,858,746	19,107,815	19,180,976
Capital lease obligations	812,714	834,839	856,101
Junior subordinated debentures	12,887,000	12,887,000	12,887,000
Accrued interest and other liabilities	3,624,094	2,773,063	3,303,503
Total liabilities	473,132,868	506,804,980	459,994,938
Shareholders' Equity
Preferred stock, 1,000,000 shares authorized, 25 shares issued and outstanding ($100,000 liquidation value)	2,500,000	2,500,000	2,500,000
Common stock - $2.50 par value; 10,000,000 shares authorized, 4,891,194 shares issued at 06/30/11, 4,834,615 shares issued at 12/31/10, and 4,796,539 shares issued at 06/30/10	12,227,985	12,086,538	11,991,348
Additional paid-in capital	27,048,147	26,718,403	26,453,822
Retained earnings (accumulated deficit)	791,811	368,848	(709,034)
Accumulated other comprehensive income	209,558	76,657	96,018
Less: treasury stock, at cost; 210,101 shares at 06/30/11, 12/31/10 and 06/30/10	(2,622,777)	(2,622,777)	(2,622,777)
Total shareholders' equity	40,154,724	39,127,669	37,709,377
Total liabilities and shareholders' equity	$ 513,287,592	$ 545,932,649	$ 497,704,315