Consolidated Statements of Income (unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Interest and Dividend Income:
Interest and fees on loans	$ 8,190,911	$ 9,258,835	$ 16,593,318	$ 18,745,051
Interest on federal funds sold	5,911	28,137	14,156	48,483
Interest on securities:
Taxable	896,051	849,035	1,798,769	1,653,291
Tax-exempt	38,073	73,643	77,407	167,526
Dividends and interest on all other securities	21,183	11,581	33,394	22,367
Total interest and dividend income	9,152,129	10,221,231	18,517,044	20,636,718
Interest Expense:
Interest on savings deposits	103,162	98,479	208,349	193,458
Interest on time deposits	1,143,845	1,703,128	2,409,810	3,564,055
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings	17,577	182,823	70,689	361,148
Interest on Federal Home Loan Bank advances	425,046	710,632	845,421	1,540,257
Total interest expense	1,689,630	2,695,062	3,534,269	5,658,918
Net interest income	7,462,499	7,526,169	14,982,775	14,977,800
Provision for loan losses	500,000	1,300,000	2,300,000	6,000,000
Net interest income, after provision for loan losses	6,962,499	6,226,169	12,682,775	8,977,800
Noninterest Income:
Income from fiduciary activities	759,924	780,963	1,530,896	1,601,848
Service charges on deposit accounts	1,055,175	1,280,064	2,066,753	2,594,741
Other service charges, commissions and fees	820,528	753,989	1,558,372	1,444,806
Income from bank owned life insurance	203,196	210,478	404,916	599,323
Gain on sale of available-for-sale securities, net	50,955	0	50,955	76
Other operating income	61,694	102,272	144,822	184,820
Total noninterest income	2,951,472	3,127,766	5,756,714	6,425,614
Noninterest Expense:
Salaries and employee benefits	4,895,566	4,621,668	9,525,369	9,152,750
Occupancy and equipment	1,050,379	1,050,934	2,135,885	2,150,317
FDIC insurance	266,297	316,905	671,479	646,181
Data processing	338,796	305,153	666,399	601,808
Customer development	217,834	217,931	439,470	440,230
Advertising	142,375	174,296	286,534	350,281
Loan expenses	229,897	241,583	417,544	363,873
Other outside service fees	157,122	107,739	300,838	199,586
Employee professional development	178,896	117,139	312,207	260,039
Postage and courier expense	119,979	134,781	243,284	270,402
Legal and audit expenses	219,628	214,607	363,027	319,738
Loss (gain) on write-down/sale of foreclosed assets	268,595	(4,787)	457,550	(51,047)
Other operating expenses	415,108	477,516	847,955	1,005,920
Total noninterest expense	8,500,472	7,975,465	16,667,541	15,710,078
Income (loss) before income taxes	1,413,499	1,378,470	1,771,948	(306,664)
Income tax expense (benefit)	378,238	370,374	391,994	(369,133)
Net income (loss)	$ 1,035,261	$ 1,008,096	$ 1,379,954	$ 62,469
Basic Earnings (Loss) per Share:
Average shares outstanding (in shares)	4,954,970	4,925,910	4,946,210	4,923,025
Net income (loss) per share of common stock (in dollars per share)	$ 0.21	$ 0.21	$ 0.28	$ 0.01
Diluted Earnings (Loss) per Share:
Average shares outstanding (in shares)	4,954,970	4,932,233	4,946,210	4,933,023
Net income (loss) per share of common stock (in dollars per share)	$ 0.21	$ 0.20	$ 0.28	$ 0.01