Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Cash Flows from Operating Activities:
Net income	$ 3,253,392	$ 2,636,811
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	837,551	748,753
Provision for loan losses	750,001	712,500
Deferred income tax	(789,852)	31,188
Net gain on sale of securities available-for-sale	(140,971)	0
Net gain on sale of loans	(949,833)	(463,048)
(Gain) loss on sale of OREO	(3,740)	7,212
Gain on Trust LLC	(111,573)	(111,174)
Amortization of bond premium, net	408,330	258,155
Write down of OREO	0	10,000
Proceeds from sales of loans held-for-sale	37,158,591	26,779,989
Originations of loans held-for-sale	(35,407,131)	(26,364,245)
Increase (decrease) in taxes payable	60,128	(386,079)
(Increase) decrease in interest receivable	(109,463)	119,327
Amortization of FDIC insurance assessment	276,348	314,849
Decrease (increase) in mortgage servicing rights	92,105	(58,408)
Increase in other assets	(1,095,473)	(171,301)
Increase in cash surrender value of bank owned life insurance	(92,955)	(97,726)
Amortization of core deposit intangible	255,652	319,565
Amortization of limited partnerships	915,705	366,440
Decrease in deferred loan costs (fees)	(94,491)	(53,877)
Decrease in interest payable	(28,727)	(54,056)
Increase (decrease) in accrued expenses	5,900	(161,669)
Decrease in other liabilities	(56,152)	(391,259)
Net cash provided by operating activities	5,133,342	3,991,947
Cash Flows from Investing Activities:
Maturities and pay downs	18,065,787	32,429,747
Purchases	(38,429,281)	(31,887,130)
Investments - available-for-sale Maturities, calls, pay downs and sales	30,171,833	10,000,000
Purchases	(11,091,306)	(20,220,656)
Proceeds from redemption of restricted equity securities	287,200	0
(Decrease) increase in limited partnership contributions payable	(1,084,000)	1,084,000
Investments in limited partnerships	(213,830)	(1,085,000)
Increase in loans, net	(22,935,389)	(291,935)
Proceeds from sales of bank premises and equipment, net of capital expenditures	(474,250)	(693,205)
Proceeds from sales of OREO	58,740	1,324,088
Recoveries of loans charged off	74,685	76,335
Net cash used in investing activities	(25,569,811)	(9,263,756)
Cash Flows from Financing Activities:
Net (decrease) increase in demand and NOW accounts	(8,386,939)	12,574,469
Net increase in money market and savings accounts	19,569,623	3,845,325
Net decrease in time deposits	(8,474,421)	(3,448,722)
Net increase in repurchase agreements	6,430,862	4,983,139
Net increase in short-term borrowings	4,840,000	0
Repayments on long-term borrowings	(6,000,000)	(15,000,000)
Decrease in capital lease obligations	(43,631)	(34,524)
Dividends paid on preferred stock	(140,625)	(140,625)
Dividends paid on common stock	(1,298,983)	(1,196,235)
Net cash provided by financing activities	6,495,886	1,582,827
Net decrease in cash and cash equivalents	(13,940,583)	(3,688,982)
Cash and cash equivalents:
Beginning	23,464,776	51,448,287
Ending	9,524,193	47,759,305
Supplemental Schedule of Cash Paid During the Period
Interest	3,777,202	4,331,448
Income taxes	550,000	691,550
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain on securities available-for-sale	257,787	140,338
Loans transferred to OREO	1,115,198	131,000
Investments in limited partnerships
Investment in limited partnerships	(213,830)	(1,085,000)
(Decrease) increase in limited partnership contributions payable	(1,084,000)	1,084,000
Investments in limited partnerships NET	(1,297,830)	(1,000)
Common Shares Dividends Paid
Dividends declared	1,995,617	1,954,606
Increase in dividends payable attributable to dividends declared	(23,440)	(39,331)
Dividends reinvested	(673,194)	(719,040)
Total common shares dividends paid	$ 1,298,983	$ 1,196,235