Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
Cash Flows from Operating Activities:
Net income	$ 2,280,122	$ 1,986,042
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	515,185	560,662
Provision for loan losses	326,250	500,002
Deferred income tax	(180,802)	(2,122,290)
Net gain on sale of securities available-for-sale	0	(41,295)
Net gain on sale of loans	(452,096)	(616,431)
Gain on sale of OREO	(9,728)	0
Gain on Trust LLC	(138,402)	(82,873)
Amortization of bond premium, net	236,566	290,856
Proceeds from sales of loans held for sale	8,994,253	24,080,214
Originations of loans held for sale	(8,059,570)	(24,162,240)
Increase (decrease) in taxes payable	544,931	1,498,949
Increase in interest receivable	2,848	(55,232)
Amortization of FDIC insurance assessment	775,595	192,436
(Increase) decrease in mortgage servicing rights	(126,968)	45,249
Increase in other assets	(318,581)	(728,040)
Increase in cash surrender value of bank owned life insurance	(57,205)	(61,820)
Amortization of core deposit intangible	136,350	170,435
Amortization of limited partnerships	289,140	610,470
Decrease in unamortized loan fees	(78,123)	(69,452)
Decrease in interest payable	(17,871)	(22,164)
Decrease in accrued expenses	158,099	46,170
Increase in other liabilities	10,182	12,466
Net cash provided by operating activities	4,830,175	2,032,114
Cash Flows from Investing Activities:
Maturities and pay downs	26,801,004	13,784,002
Purchases	(9,041,386)	(8,108,265)
Investments - available - for - sale Maturities, calls, pay downs and sales	3,000,000	16,061,945
Purchases	(7,268,244)	(10,032,243)
Proceeds from redemption of restricted equity securities	388,500	287,200
Decrease in limited partnership contributions payable	(527,000)	(740,000)
Investments in limited partnerships	0	(213,830)
Increase in loans, net	(9,865,963)	(20,215,510)
Proceeds from sales of bank premises and equipment, net of capital expenditures	(374,041)	(250,296)
Proceeds from sales of OREO	204,728	0
Recoveries of loans charged off	40,133	23,740
Net cash used in investing activities	3,357,731	(9,403,257)
Cash Flows from Financing Activities:
Net decrease in demand and NOW accounts	(25,775,860)	(21,045,036)
Net increase in money market and savings accounts	(10,068,534)	2,142,623
Net decrease in time deposits	4,806,639	(3,337,141)
Net (decrease) increase in repurchase agreements	(6,752,238)	2,397,258
Net increase in short-term borrowings	22,055,000	25,825,000
Repayments on long-term borrowings	(6,000,000)	(6,000,000)
Decrease in capital lease obligations	(31,193)	(28,796)
Dividends paid on preferred stock	(40,625)	(93,750)
Dividends paid on common stock	(980,621)	(856,867)
Net cash (used in) provided by financing activities	(22,787,432)	(996,709)
Net decrease in cash and cash equivalents	(14,599,526)	(8,367,852)
Cash and cash equivalents:
Beginning	29,881,840	23,464,776
Ending	15,282,314	15,096,924
Supplemental Schedule of Cash Paid During the Period
Interest	1,845,071	2,532,248
Income taxes	0	450,000
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized (loss) gain on securities available-for-sale	(318,035)	282,201
Loans transferred to OREO	1,291,916	920,198
Investments in limited partnerships
Investment in limited partnerships	0	(213,830)
Decrease in limited partnership contributions payables	(527,000)	(740,000)
Total	(527,000)	(953,830)
Common Shares Dividends Paid
Dividends declared	1,349,171	1,327,179
Increase in dividends payable attributable to dividends declared	(23,837)	(9,408)
Dividends reinvested	(344,713)	(460,904)
Total	$ 980,621	$ 856,867