CONSOLIDATED BALANCE SHEETS (USD $)	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks, including reserve requirements of $242,000 and $236,000 at December 31, 2012 and 2011, respectively	$ 5,383,544	$ 5,682,548
Interest-bearing deposits with banks	34,802,933	27,769,113
Certificates of deposit	100,000	100,000
Investment securities available for sale, at fair value (amortized cost of $125,748,187 and $120,266,023 at December 31, 2012 and 2011, respectively)	129,865,524	124,242,463
Investment securities held to maturity, at cost (estimated fair value of $1,379,915 and $3,377,888 at December 31, 2012 and 2011, respectively)	1,356,119	3,293,969
Other investments	995,450	1,311,850
Loans receivable-net	187,489,181	195,431,763
Premises and equipment-net	6,956,139	7,228,164
Cash surrender value of life insurance	9,619,382	11,216,975
Other real estate owned-net	8,194,955	10,075,837
Other assets	10,841,502	10,807,159
Total assets	395,604,729	397,159,841
LIABILITIES:
Noninterest-bearing deposits	59,342,308	59,581,417
Interest-bearing deposits	281,251,135	283,449,406
Total deposits	340,593,443	343,030,823
Accrued expenses and other liabilities	5,565,484	5,285,893
Advances from Federal Home Loan Bank	291,697	309,947
Total liabilities	346,450,624	348,626,663
COMMITMENTS AND CONTINGENCIES (Note 9)
STOCKHOLDERS' EQUITY:
Additional paid-in capital	7,941,817	7,808,860
Retained earnings	26,190,373	25,827,612
Treasury stock, at cost, 220,525 and 219,072 shares at December 31, 2012 and 2011, respectively	(1,820,128)	(1,810,313)
Accumulated other comprehensive income, net of income taxes	2,717,479	2,624,450
Total stockholders' equity	49,154,105	48,533,178
Total liabilities and stockholders' equity	395,604,729	397,159,841
Series B Preferred stock
STOCKHOLDERS' EQUITY:
Preferred stock	7,462,000	7,462,000
Series C Preferred stock
STOCKHOLDERS' EQUITY:
Preferred stock	4,379,000	4,379,000
Common Stock
STOCKHOLDERS' EQUITY:
Common stock	2,250,364	2,237,357
NonVoting Common Stock
STOCKHOLDERS' EQUITY:
Common stock	90,000	90,000
Nonvested Restricted Common Stock
STOCKHOLDERS' EQUITY:
Common stock	$ (56,800)	$ (85,788)