Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Cash Flows from Operating Activities:
Net income	$ 964,849	$ 944,868
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Depreciation and amortization, bank premises and equipment	282,547	253,061
Provision for loan losses	250,003	187,500
Deferred income tax	(111,584)	13,540
Net gain on sale of loans	(280,817)	(201,141)
Gain on Trust LLC	(33,687)	(42,372)
Amortization of bond premium, net	148,994	87,668
Write down of OREO	0	10,000
Proceeds from sales of loans held for sale	11,556,728	11,332,576
Originations of loans held for sale	(10,573,864)	(9,821,913)
Decrease in taxes payable	(289,172)	(370,310)
Increase in interest receivable	(144,923)	(176,468)
Amortization of FDIC insurance assessment	101,738	153,480
Decrease (increase) in mortgage servicing rights	28,024	(176,605)
Increase in other assets	(443,232)	(165,224)
Increase in cash surrender value of bank owned life insurance	(30,820)	(32,018)
Amortization of core deposit intangible	85,218	106,522
Amortization of limited partnerships	305,235	122,147
Decrease in unamortized loan fees	(47,104)	(23,480)
Decrease in interest payable	(12,132)	(16,415)
Decrease in accrued expenses	(96,540)	(325,850)
Increase (decrease) in other liabilities	16,525	(760)
Net cash provided by operating activities	1,675,986	1,858,806
Investments - held-to-maturity
Maturities and pay downs	2,108,537	7,121,895
Purchases	(5,968,984)	(7,629,846)
Investments - available-for-sale
Maturities, calls, pay downs and sales	3,000,000	4,000,000
Purchases	(10,032,244)	(11,120,276)
Proceeds from redemption of restricted equity securities	287,200	0
Investments in limited partnerships	(213,830)	0
(Increase) decrease in loans, net	(10,188,919)	1,888,431
Proceeds from sales of bank premises and equipment, net of capital expenditures	(155,958)	(208,466)
Proceeds from sales of OREO	0	435,800
Recoveries of loans charged off	15,036	21,573
Net cash used in investing activities	(21,149,162)	(5,490,889)
Cash Flows from Financing Activities:
Net decrease in demand and NOW accounts	(18,206,248)	(5,688,831)
Net increase in money market and savings accounts	10,360,167	4,913,422
Net increase in time deposits	7,445,921	140,493
Net increase in repurchase agreements	3,124,191	2,372,000
Net increase in short-term borrowings	8,760,000	0
Repayments on long-term borrowings	(6,000,000)	(15,000,000)
Decrease in capital lease obligations	(15,179)	(10,953)
Dividends paid on preferred stock	(46,875)	(46,875)
Dividends paid on common stock	(429,060)	(374,056)
Net cash provided by (used in) financing activities	4,992,917	(13,694,800)
Net decrease in cash and cash equivalents	(14,480,259)	(17,326,883)
Cash and cash equivalents:
Beginning	23,464,776	51,448,287
Ending	8,984,517	34,121,404
Supplemental Schedule of Cash Paid During the Period
Interest	1,283,059	1,527,885
Income taxes	300,000	500,000
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain (loss) on securities available-for-sale	53,771	(2,356)
Loans transferred to OREO	130,493	0
Investments in limited partnerships
Investments in limited partnerships	(213,830)	0
Common Shares Dividends Paid
Dividends declared	661,881	647,865
Increase in dividends payable attributable to dividends declared	(10,584)	(95,212)
Dividends reinvested	(222,237)	(178,597)
Total common shares dividends paid	$ 429,060	$ 374,056