Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Cash Flow from Operating Activities:
Net income	$ 2,636,811	$ 2,459,250
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Depreciation and amortization, bank premises and equipment	748,753	772,332
Provision for loan losses	712,500	858,334
Deferred income tax	31,188	(389,653)
Net gain on sale of loans	(463,048)	(536,471)
Gain on sale of bank premises and equipment	0	(4,584)
Loss on sale of OREO	7,212	10,807
Gain on Trust LLC	(111,174)	(54,347)
Amortization of bond premium, net	258,155	288,561
Write down of OREO	10,000	25,000
Proceeds from sales of loans held for sale	26,779,989	27,428,557
Originations of loans held for sale	(26,364,245)	(30,257,633)
Decrease in taxes payable	(386,079)	(501,596)
Decrease (increase) in interest receivable	119,327	(31,416)
Amortization of FDIC insurance assessment	314,849	438,193
Increase in mortgage servicing rights	(58,408)	(13,105)
Increase in other assets	(171,301)	(204,150)
Increase in cash surrender value of bank owned life insurance	(97,726)	(89,406)
Amortization of core deposit intangible	319,565	399,456
Amortization of limited partnerships	366,440	371,691
Decrease in unamortized loan fees	(53,877)	(66,649)
Decrease in interest payable	(54,056)	(31,924)
(Decrease) increase in accrued expenses	(161,669)	169,084
(Decrease) increase in other liabilities	(391,259)	56,372
Net cash provided by operating activities	3,991,947	1,096,703
Investments - held-to-maturity
Maturities and pay downs	32,429,747	35,805,520
Purchases	(31,887,130)	(44,185,298)
Investments - available-for-sale
Maturities, calls, pay downs and sales	10,000,000	5,160,000
Purchases	(20,220,656)	(4,021,959)
Increase (decrease) in limited partnership contributions payable	1,084,000	(613,306)
Cash investments in limited partnerships	(1,085,000)	0
Increase in loans, net	(291,935)	(5,580,214)
Proceeds from sales of bank premises and equipment, net of capital expenditures	(693,205)	(92,287)
Proceeds from sales of OREO	1,324,088	170,843
Recoveries of loans charged off	76,335	48,147
Net cash used in investing activities	(9,263,756)	(13,308,554)
Cash Flows from Financing Activities:
Net increase in demand and NOW accounts	12,574,469	15,157,836
Net increase in money market and savings accounts	3,845,325	6,547,330
Net decrease in time deposits	(3,448,722)	(20,806,866)
Net increase in repurchase agreements	4,983,139	404,662
Net decrease in short-term borrowings	0	(3,401,000)
Proceeds from long-term borrowings	0	28,000,000
Repayments on long-term borrowings	(15,000,000)	(5,000,000)
Decrease in capital lease obligations	(34,524)	(30,960)
Dividends paid on preferred stock	(140,625)	(140,625)
Dividends paid on common stock	(1,196,235)	(1,120,707)
Net cash provided by financing activities	1,582,827	19,609,670
Net (decrease) increase in cash and cash equivalents	(3,688,982)	7,397,819
Cash and cash equivalents:
Beginning	51,448,287	9,603,143
Ending	47,759,305	17,000,962
Supplemental Schedule of Cash Paid During the Period
Interest	4,331,448	4,966,766
Income taxes	691,550	1,050,000
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain on securities available-for-sale	140,338	(34,210)
Loans and bank premises transferred to OREO	131,000	(534,150)
Investments in limited partnerships
Cash investments in limited partnerships	(1,085,000)	0
Increase (decrease) in limited partnership contributions payable	1,084,000	(613,306)
Total investments in limited partnerships	(1,000)	(613,306)
Common Shares Dividends Paid
Dividends declared	1,954,606	1,644,628
(Increase) decrease in dividends payable attributable to dividends declared	(39,331)	9,887
Dividends reinvested	(719,040)	(533,808)
Total common shares dividends paid	$ 1,196,235	$ 1,120,707