Consolidated Balance Sheets (Unaudited) (USD $)	Sep. 30, 2011	Dec. 31, 2010	Sep. 30, 2010
Assets
Cash and due from banks	$ 47,758,305	$ 51,441,652	$ 16,991,944
Federal funds sold and overnight deposits	1,000	6,635	9,018
Total cash and cash equivalents	47,759,305	51,448,287	17,000,962
Securities held-to-maturity (fair value $37,397,000 at 09/30/11, $38,157,000 at 12/31/10 and $53,734,000 at 09/30/10)	36,898,097	37,440,714	53,146,028
Securities available-for-sale	31,533,275	21,430,436	22,514,018
Restricted equity securities, at cost	4,308,550	4,308,550	3,906,850
Loans held-for-sale	2,411,242	2,363,938	3,687,530
Loans	388,548,864	389,068,859	386,332,598
Allowance for loan losses	(3,835,840)	(3,727,935)	(3,706,434)
Unearned net loan fees	(20,474)	(74,351)	(85,539)
Net loans	384,692,550	385,266,573	382,540,625
Bank premises and equipment, net	12,736,423	12,791,971	12,961,952
Accrued interest receivable	1,670,294	1,789,621	1,926,729
Bank owned life insurance	4,031,057	3,933,331	3,902,422
Core deposit intangible	1,810,867	2,130,432	2,263,584
Goodwill	11,574,269	11,574,269	11,574,269
Other real estate owned (OREO)	0	1,210,300	1,070,500
Prepaid expense Federal Deposit Insurance Corporation (FDIC)	1,218,308	1,533,157	1,667,372
Other assets	10,077,689	8,711,070	8,750,824
Total assets	550,721,926	545,932,649	526,913,665
Deposits:
Demand, non-interest bearing	60,683,698	55,570,893	56,816,997
NOW	116,418,838	108,957,174	93,233,319
Money market funds	72,014,042	73,470,728	66,236,023
Savings	61,763,381	56,461,370	56,933,717
Time deposits, $100,000 and over	51,369,773	52,014,363	52,439,732
Other time deposits	88,913,603	91,717,735	94,024,242
Total deposits	451,163,335	438,192,263	419,684,030
Federal funds purchased and other borrowed funds	18,010,000	33,010,000	33,010,000
Repurchase agreements	24,090,954	19,107,815	19,446,876
Capital lease obligations	800,315	834,839	845,576
Junior subordinated debentures	12,887,000	12,887,000	12,887,000
Accrued interest and other liabilities	3,289,410	2,773,063	2,965,118
Total liabilities	510,241,014	506,804,980	488,838,600
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, 4,914,777 shares issued at 09/30/11, 4,834,615 shares issued at 12/31/10, and 4,813,289 shares issued at 09/30/10	12,286,943	12,086,538	12,033,223
Additional paid-in capital	27,237,038	26,718,403	26,592,727
Retained earnings (accumulated deficit)	910,428	368,848	(518,412)
Accumulated other comprehensive income	169,280	76,657	90,304
Less: treasury stock, at cost; 210,101 shares at 09/30/11, 12/31/10 and 09/30/10	(2,622,777)	(2,622,777)	(2,622,777)
Total shareholders' equity	40,480,912	39,127,669	38,075,065
Total liabilities and shareholders' equity	$ 550,721,926	$ 545,932,649	$ 526,913,665