Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Cash Flows from Operating Activities:
Net income	$ 1,041,778	$ 964,849
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	261,932	282,547
Provision for loan losses	206,250	250,003
Deferred income tax	(144,408)	(111,584)
Net gain on sale of loans	(219,954)	(280,817)
Gain on sale of OREO	(9,728)	0
Gain on Trust LLC	(63,594)	(33,687)
Amortization of bond premium, net	120,290	148,994
Proceeds from sales of loans held for sale	8,069,687	11,556,728
Originations of loans held for sale	(7,695,988)	(10,573,864)
Increase (decrease) in taxes payable	277,187	(289,172)
Increase in interest receivable	(219,530)	(144,923)
Amortization of FDIC insurance assessment	94,105	101,738
(Increase) decrease in mortgage servicing rights	(36,629)	28,024
Increase in other assets	(124,301)	(443,232)
Increase in cash surrender value of bank owned life insurance	(27,890)	(30,820)
Amortization of core deposit intangible	68,175	85,218
Amortization of limited partnerships	144,570	305,235
Decrease in unamortized loan fees	(37,468)	(47,104)
Decrease in interest payable	(9,891)	(12,132)
Decrease in accrued expenses	(446,324)	(96,540)
Increase in other liabilities	38,046	16,525
Net cash provided by operating activities	1,286,315	1,675,986
Cash Flows from Investing Activities:
Maturities and pay downs	4,476,973	2,108,537
Purchases	(4,992,386)	(5,968,984)
Investments - available - for - sale Maturities, calls, pay downs and sales	2,000,000	3,000,000
Purchases	(7,268,244)	(10,032,244)
Proceeds from redemption of restricted equity securities	388,500	287,200
Decrease in limited partnership contributions payable	(527,000)	0
Investments in limited partnerships	0	(213,830)
Increase in loans, net	(1,128,848)	(10,188,919)
Proceeds from sales of bank premises and equipment, net of capital expenditures	(191,092)	(155,958)
Proceeds from sales of OREO	204,728	0
Recoveries of loans charged off	10,215	15,036
Net cash used in investing activities	(7,027,154)	(21,149,162)
Cash Flows from Financing Activities:
Net decrease in demand and NOW accounts	(22,861,793)	(18,206,248)
Net increase in money market and savings accounts	10,422,592	10,360,167
Net decrease in time deposits	1,204,441	7,445,921
Net (decrease) increase in repurchase agreements	(5,525,656)	3,124,191
Net increase in short-term borrowings	7,845,000	8,760,000
Repayments on long-term borrowings	(6,000,000)	(6,000,000)
Decrease in capital lease obligations	(15,441)	(15,179)
Dividends paid on preferred stock	(20,313)	(46,875)
Dividends paid on common stock	(487,661)	(429,060)
Net cash (used in) provided by financing activities	(15,438,831)	4,992,917
Net decrease in cash and cash equivalents	(21,179,670)	(14,480,259)
Cash and cash equivalents:
Beginning	29,881,840	23,464,776
Ending	8,702,170	8,984,517
Supplemental Schedule of Cash Paid During the Period
Interest	944,688	1,283,059
Income taxes	0	300,000
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized (loss) gain on securities available-for-sale	(23,700)	53,771
Loans transferred to OREO	0	130,493
Investments in limited partnerships
Investment in limited partnerships	0	(213,830)
Decrease in limited partnership contributions payables	(527,000)	0
Total	(527,000)	(213,830)
Common Shares Dividends Paid
Dividends declared	673,502	661,881
Increase in dividends payable attributable to dividends declared	(18,758)	(10,584)
Dividends reinvested	(167,083)	(222,237)
Total	$ 487,661	$ 429,060