Consolidated Statements of Income (unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest and Dividend Income:
Interest and fees on loans	$ 7,923,224	$ 9,237,260	$ 24,516,542	$ 27,982,311
Interest on due from banks	2,772	615	4,070	1,817
Interest on federal funds sold	6,855	15,471	21,011	63,954
Interest on securities:
Taxable	1,010,473	854,323	2,809,242	2,507,614
Tax-exempt	31,843	53,104	109,250	220,630
Dividends and interest on all other securities	16,756	11,650	48,852	32,815
Total interest and dividend income	8,991,923	10,172,423	27,508,967	30,809,141
Interest Expense:
Interest on savings deposits	101,393	108,701	309,742	302,159
Interest on time deposits	1,070,753	1,604,779	3,480,563	5,168,834
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings	17,170	109,603	87,859	470,751
Interest on Federal Home Loan Bank advances	429,717	429,717	1,275,138	1,969,974
Total interest expense	1,619,033	2,252,800	5,153,302	7,911,718
Net interest income	7,372,890	7,919,623	22,355,665	22,897,423
Provision for loan losses	600,000	1,500,000	2,900,000	7,500,000
Net interest income, after provision for loan losses	6,772,890	6,419,623	19,455,665	15,397,423
Noninterest Income:
Income from fiduciary activities	713,946	718,008	2,244,842	2,319,856
Service charges on deposit accounts	1,090,057	1,068,455	3,156,810	3,663,196
Other service charges, commissions and fees	726,866	719,193	2,285,238	2,163,999
Income from bank-owned life insurance	207,984	216,218	612,900	815,541
Gain on sale of available-for-sale securities, net	386,091	541,241	437,046	541,317
Other operating income	75,802	130,072	218,874	311,119
Total noninterest income	3,200,746	3,393,187	8,955,710	9,815,028
Noninterest Expense:
Salaries and employee benefits	4,834,750	4,539,062	14,360,119	13,691,812
Occupancy and equipment	1,090,300	1,084,972	3,226,185	3,235,289
FDIC insurance	271,462	404,093	942,941	1,050,274
Data processing	358,774	316,123	1,025,173	917,931
Customer development	223,733	215,414	663,203	655,644
Advertising	131,340	177,369	417,874	527,650
Loan expenses	210,285	117,658	627,829	481,531
Other outside service fees	163,336	157,932	464,174	357,518
Employee professional development	136,185	119,047	448,392	379,086
Postage and courier expense	123,365	123,287	366,649	393,689
Legal and audit expenses	176,161	244,760	539,188	564,498
Loss on write-down/sale of foreclosed assets	368,213	480,801	825,763	429,754
Other operating expenses	450,606	421,730	1,296,811	1,423,877
Total noninterest expense	8,538,510	8,402,248	25,204,301	24,108,553
Income before income taxes	1,435,126	1,410,562	3,207,074	1,103,898
Income tax expense	391,847	376,052	783,841	6,919
Net income	$ 1,043,279	$ 1,034,510	$ 2,423,233	$ 1,096,979
Basic Earnings per Share:
Average shares outstanding (in shares)	4,957,623	4,930,578	4,950,056	4,925,571
Net income per share of common stock (in dollars per share)	$ 0.21	$ 0.21	$ 0.49	$ 0.22
Diluted Earnings per Share:
Average shares outstanding (in shares)	4,957,623	4,932,731	4,950,056	4,931,977
Net income per share of common stock (in dollars per share)	$ 0.21	$ 0.21	$ 0.49	$ 0.22