Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011
Cash Flows from Operating Activities:
Net income	$ 1,986,042	$ 1,816,187
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	560,662	499,082
Provision for loan losses	500,002	425,000
Deferred income tax	(2,122,290)	(33,055)
Net gain on sale of securities	41,295	0
Net gain on sale of loans	(616,431)	(324,726)
Loss on sale of OREO	0	7,212
Gain on Trust LLC	(82,873)	(90,809)
Amortization of bond premium, net	290,856	181,748
Write down of OREO	0	10,000
Proceeds from sales of loans held for sale	24,080,214	19,164,732
Originations of loans held for sale	(24,162,240)	(18,031,356)
Increase (decrease) in taxes payable	1,498,949	(312,257)
(Increase) decrease in interest receivable	(55,232)	224,425
Amortization of FDIC insurance assessment	192,436	236,473
Decrease (increase) in mortgage servicing rights	45,249	(127,103)
Increase in other assets	(728,040)	(290,624)
Increase in cash surrender value of bank owned life insurance	(61,820)	(64,665)
Amortization of core deposit intangible	170,435	213,043
Amortization of limited partnerships	610,470	244,293
Decrease in unamortized loan fees	(69,452)	(35,548)
Decrease in interest payable	(22,164)	(36,691)
Increase (decrease) in accrued expenses	46,170	(161,825)
Increase (decrease) in other liabilities	12,466	(76,394)
Net cash provided by operating activities	2,032,114	3,437,142
CASH FLOWS FROM INVESTING ACTIVITIES:
Maturities and pay downs of held-to-maturity securities	13,784,002	26,597,110
Purchases of held-to-maturity securities	(8,108,265)	(11,096,177)
Maturities, calls, pay downs and sales of available-for-sale securities	16,061,945	7,000,000
Purchases of available-for-sale securities	(10,032,243)	(13,120,276)
Proceeds from redemption of restricted equity securities	287,200	0
(Decrease) increase in limited partnership contributions payable	(740,000)	1,084,000
Investments in limited partnerships	(213,830)	(1,085,000)
Increase in loans, net	(20,215,537)	(3,367,384)
Proceeds from sales of bank premises and equipment, net of capital expenditures	(250,296)	(319,888)
Proceeds from sales of OREO	0	1,193,088
Recoveries of loans charged off	23,767	37,120
Net cash (used in) provided by investing activities	(9,403,257)	6,922,593
Cash Flows from Financing Activities:
Net decrease in demand and NOW accounts	(21,045,036)	(8,962,491)
Net increase (decrease) in money market and savings accounts	2,142,623	(9,132,508)
Net increase in time deposits	(3,337,141)	(3,156,950)
Net increase in repurchase agreements	2,397,258	1,750,931
Net increase in short-term borrowings	25,825,000	0
Repayments on long-term borrowings	(6,000,000)	(15,000,000)
Decrease in capital lease obligations	(28,796)	(22,125)
Dividends paid on preferred stock	(93,750)	(93,750)
Dividends paid on common stock	(856,867)	(786,342)
Net cash used in financing activities	(996,709)	(35,403,235)
Net decrease in cash and cash equivalents	(8,367,852)	(25,043,500)
Cash and cash equivalents:
Beginning	23,464,776	51,448,287
Ending	15,096,924	26,404,787
Supplemental Schedule of Cash Paid During the Period
Interest	2,532,248	2,969,669
Income taxes	450,000	591,550
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain (loss) on securities available-for-sale	282,201	201,364
Loans transferred to OREO	920,198	131,000
Investments in limited partnerships
Investment in limited partnerships	(213,830)	(1,085,000)
(Decrease) increase in limited partnership contributions payable	(740,000)	1,084,000
Investments in limited partnerships NET	(953,830)	(1,000)
Common Shares Dividends Paid
Dividends declared	1,327,179	1,299,474
Increase in dividends payable attributable to dividends declared	(9,408)	(41,941)
Dividends reinvested	(460,904)	(471,191)
Total common shares dividends paid	$ 856,867	$ 786,342