Consolidated Statements of Cash Flows (unaudited) (USD $)	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,790,696	$ 2,423,233
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,411,040	1,364,475
Provision for loan losses	1,950,000	2,900,000
Net gain on sale of available-for-sale securities	(1,703,805)	(437,046)
Net amortization of securities	1,142,043	152,189
Net (gain) loss on disposal of premises and equipment	396	(1,294)
Net loss on write-down/sale of foreclosed assets	736,594	825,763
Income from bank owned life insurance	(1,142,626)	(612,900)
Stock compensation expense	81,060	82,466
Deferred tax expense	110,235	860,930
(Increase) decrease in other assets	1,653,149	(675,180)
Increase in other liabilities	993,695	184,421
Net cash provided by operating activities	8,022,477	7,067,057
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(277,741,641)	(146,849,456)
Purchases of held-to-maturity securities	0	(2,000,000)
Proceeds from sales of restricted securities	889,100	640,300
Proceeds from maturities and calls of securities	59,843,643	97,722,651
Proceeds from sales of available-for-sale securities	147,178,925	51,405,975
Decrease in loans made to customers	53,071,871	53,208,573
Proceeds from sales of foreclosed assets	2,461,219	772,601
Purchases of bank owned life insurance	0	(2,750,000)
Proceeds from payout on bank-owned life insurance policy	1,109,296	0
Purchases of premises and equipment	(2,226,964)	(1,822,389)
Net cash provided by (used in) investing activities	(15,414,551)	50,328,255
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in noninterest-bearing deposits	12,551,450	29,955,076
Increase in savings deposits	15,417,220	6,873,986
Increase (decrease) in time deposits	12,826,761	(25,640,915)
Increase (decrease) in federal funds purchased, repurchase agreements and other borrowings	2,062,241	(50,036,100)
Decrease in Federal Home Loan Bank advances	(10,000,000)	0
Proceeds from exercise of stock options	0	284,205
Cash dividends paid on common stock	(743,851)	(742,563)
Net cash provided by (used in) financing activities	32,113,821	(39,306,311)
Net increase in cash and cash equivalents	24,721,747	18,089,001
Cash and cash equivalents at beginning of period	24,854,656	28,431,149
Cash and cash equivalents at end of period	49,576,403	46,520,150
Cash payments for:
Interest	4,526,922	5,374,688
Income tax	600,000	0
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized gain on securities available-for-sale	3,640,925	3,550,655
Loans transferred to foreclosed assets	$ 564,480	$ 2,197,810