Consolidated Balance Sheets (unaudited) (USD $)	Jun. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 14,057,558	$ 15,603,331
Federal funds sold	17,899,977	12,827,818
Cash and cash equivalents	31,957,535	28,431,149
Securities available-for-sale, at fair value	194,183,314	206,091,712
Securities held-to-maturity (fair value approximates $2,270,068 and $1,956,720)	2,252,000	1,952,000
Restricted securities	3,890,300	4,319,600
Loans, net of allowance for loan losses of $9,973,887 and $13,227,791	529,156,513	573,390,522
Premises and equipment, net	29,972,528	29,615,688
Bank owned life insurance	18,425,251	18,019,727
Foreclosed assets, net of valuation allowance of $1,978,500 and $2,123,930	10,796,790	11,447,794
Other assets	11,792,029	13,573,303
Total assets	832,426,260	886,841,495
Deposits:
Noninterest-bearing deposits	152,630,762	129,207,887
Savings deposits	224,357,708	225,209,590
Time deposits	303,454,343	324,796,068
Total deposits	680,442,813	679,213,545
Federal funds purchased and other borrowings	839,348	731,332
Overnight repurchase agreements	27,798,975	50,757,247
Term repurchase agreements	2,787,837	38,959,359
Federal Home Loan Bank advances	35,000,000	35,000,000
Accrued expenses and other liabilities	1,472,292	1,228,363
Total liabilities	748,341,265	805,889,846
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized;4,955,259 and 4,936,989 shares issued and outstanding	24,776,295	24,684,945
Additional paid-in capital	16,225,604	16,026,062
Retained earnings	43,695,110	42,809,769
Accumulated other comprehensive loss, net	(612,014)	(2,569,127)
Total stockholders' equity	84,084,995	80,951,649
Total liabilities and stockholders' equity	$ 832,426,260	$ 886,841,495