Consolidated Statements of Cash Flows (unaudited) (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,423,233	$ 1,096,979
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,364,475	1,476,008
Provision for loan losses	2,900,000	7,500,000
Net gain on sale of available-for-sale securities	(437,046)	(541,317)
Net amortization of securities	152,189	25,772
Net (gain) loss on disposal of premises and equipment	(1,294)	3,373
Net loss on write-down/sale of foreclosed assets	825,763	429,754
Income from bank owned life insurance	(612,900)	(815,541)
Stock compensation expense	82,466	85,398
Deferred tax (benefit) expense	860,930	(2,038,791)
Increase in other assets	(675,180)	(3,268,956)
Increase (decrease) in other liabilities	184,421	(376,564)
Net cash provided by operating activities	7,067,057	3,576,115
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(146,849,456)	(195,846,321)
Purchases of held-to-maturity securities	(2,000,000)	(1,370,000)
Proceeds from sales of restricted securities	640,300	332,900
Proceeds from maturities and calls of securities	97,722,651	88,012,522
Proceeds from sales of available-for-sale securities	51,405,975	90,683,319
Decrease in loans made to customers	53,208,573	15,246,981
Proceeds from sales of foreclosed assets	772,601	1,322,176
Purchases of bank owned life insurance	(2,750,000)	(940,000)
Purchases of premises and equipment	(1,822,389)	(806,309)
Net cash provided by (used in) investing activities	50,328,255	(3,364,732)
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in noninterest-bearing deposits	29,955,076	17,565,383
Increase in savings deposits	6,873,986	18,419,190
Decrease in time deposits	(25,640,915)	(1,823,225)
Decrease in federal funds purchased, repurchase agreements and other borrowings	(50,036,100)	(8,010,400)
Decrease in Federal Home Loan Bank advances	0	(30,000,000)
Proceeds from exercise of stock options	284,205	245,884
Repurchase and retirement of common stock	0	(41,074)
Tax benefit from disqualification of stock options	0	16,324
Cash dividends paid on common stock	(742,563)	(985,124)
Net cash used in financing activities	(39,306,311)	(4,613,042)
Net increase (decrease) in cash and cash equivalents	18,089,001	(4,401,659)
Cash and cash equivalents at beginning of period	28,431,149	47,635,998
Cash and cash equivalents at end of period	46,520,150	43,234,339
Cash payments for:
Interest	5,374,688	8,435,557
Income tax	0	2,100,000
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized gain on investment securities	3,550,655	1,669,095
Loans transferred to foreclosed assets	$ 2,197,810	$ 4,277,600