Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Cash Flows from Operating Activities:
Net income	$ 3,635,055	$ 3,253,392
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	767,837	837,551
Provision for loan losses	463,750	750,001
Deferred income tax	407,080	(789,852)
Net loss (gain) on sale of securities available-for-sale	5,521	(140,971)
Net gain on sale of loans	(625,171)	(949,833)
Gain on sale of OREO	(9,728)	(3,740)
Gain on Trust LLC	(196,216)	(111,573)
Amortization of bond premium, net	342,865	408,330
Write down of OREO	19,500	0
Proceeds from sales of loans held-for-sale	15,524,143	37,158,591
Originations of loans held-for-sale	(14,626,756)	(35,407,131)
Increase in taxes payable	295,808	60,128
Decrease (increase) in interest receivable	118,114	(109,463)
Amortization of FDIC insurance assessment	775,595	276,348
(Increase) decrease in mortgage servicing rights	(218,167)	92,105
Increase in other assets	(290,733)	(1,095,473)
Increase in cash surrender value of bank owned life insurance	(86,663)	(92,955)
Amortization of core deposit intangible	204,525	255,652
Amortization of limited partnerships	432,256	915,705
Decrease in unamortized loan fees	(112,246)	(94,491)
Decrease in interest payable	(19,501)	(28,727)
Decrease in accrued expenses	98,794	5,900
Increase (decrease) in other liabilities	9,991	(56,152)
Net cash provided by operating activities	6,915,653	5,133,342
Cash Flows from Investing Activities:
Maturities and pay downs	34,247,653	18,065,787
Purchases	(31,600,883)	(38,429,281)
Investments - available - for - sale Maturities, calls, pay downs and sales	13,095,380	30,171,833
Purchases	(8,267,697)	(11,091,306)
Proceeds from redemption of restricted equity securities	388,500	287,200
Decrease in limited partnership contributions payable	(527,000)	(1,084,000)
Investments in limited partnerships	0	(213,830)
Increase in loans, net	(17,228,066)	(22,935,389)
Capital expenditures net of proceeds from sales of bank premises and equipment	(437,687)	(474,250)
Proceeds from sales of OREO	1,331,428	58,740
Recoveries of loans charged off	253,728	74,685
Net cash used in investing activities	(8,744,644)	(25,569,811)
Cash Flows from Financing Activities:
Net decrease in demand and NOW accounts	(7,582,283)	(8,386,939)
Net increase in money market and savings accounts	2,025,056	19,569,623
Net increase (decrease) in time deposits	609,952	(8,474,421)
Net (decrease) increase in repurchase agreements	(10,463,846)	6,430,862
Net increase in short-term borrowings	8,325,000	4,840,000
Repayments on long-term borrowings	(6,000,000)	(6,000,000)
Decrease in capital lease obligations	(47,264)	(43,631)
Dividends paid on preferred stock	(60,938)	(140,625)
Dividends paid on common stock	(1,476,535)	(1,298,983)
Net cash (used in) provided by financing activities	(14,670,858)	6,495,886
Net decrease in cash and cash equivalents	(16,499,849)	(13,940,583)
Cash and cash equivalents:
Beginning	29,881,840	23,464,776
Ending	13,381,991	9,524,193
Supplemental Schedule of Cash Paid During the Period
Interest	2,666,127	3,777,202
Income taxes	0	550,000
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized (loss) gain on securities available-for-sale	(257,919)	257,787
Loans transferred to OREO	1,391,600	1,115,198
Investments in limited partnerships
Investment in limited partnerships	0	(213,830)
Decrease in limited partnership contributions payables	(527,000)	(1,084,000)
Total	(527,000)	(1,297,830)
Common Shares Dividends Paid
Dividends declared	2,026,829	1,995,617
Increase in dividends payable attributable to dividends declared	(26,616)	(23,440)
Dividends reinvested	(523,678)	(673,194)
Total	$ 1,476,535	$ 1,298,983