Consolidated Balance Sheets (unaudited) (USD $)	Sep. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 13,120,681	$ 14,206,869
Interest-bearing due from banks	30,801,094	1,396,462
Federal funds sold	2,598,375	12,827,818
Cash and cash equivalents	46,520,150	28,431,149
Securities available-for-sale, at fair value	209,348,054	206,091,712
Securities held-to-maturity (fair value approximates $2,272,477 and $1,956,720)	2,252,000	1,952,000
Restricted securities	3,679,300	4,319,600
Loans, net of allowance for loan losses of $9,752,238 and $13,227,791	517,281,949	573,390,522
Premises and equipment, net	30,074,896	29,615,688
Bank-owned life insurance	21,383,235	18,019,727
Foreclosed assets, net of valuation allowance of $2,318,094 and $2,123,930	11,037,696	11,447,794
Other assets	10,991,456	13,573,303
Total assets	852,568,736	886,841,495
Deposits:
Noninterest-bearing deposits	159,162,963	129,207,887
Savings deposits	232,083,576	225,209,590
Time deposits	299,155,153	324,796,068
Total deposits	690,401,692	679,213,545
Federal funds purchased and other borrowings	619,210	731,332
Overnight repurchase agreements	37,877,091	50,757,247
Term repurchase agreements	1,915,537	38,959,359
Federal Home Loan Bank advances	35,000,000	35,000,000
Accrued expenses and other liabilities	1,412,784	1,228,363
Total liabilities	767,226,314	805,889,846
Commitments and contingencies
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 4,959,009 and 4,936,989 shares issued and outstanding	24,795,045	24,684,945
Additional paid-in capital	16,282,633	16,026,062
Retained earnings	44,490,439	42,809,769
Accumulated other comprehensive loss, net	(225,695)	(2,569,127)
Total stockholders' equity	85,342,422	80,951,649
Total liabilities and stockholders' equity	$ 852,568,736	$ 886,841,495