CONSOLIDATED BALANCE SHEETS (USD $)	Jun. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 12,398,545	$ 8,695,590
Federal funds sold	820,000	615,000
Interest-bearing deposits with banks	768,044	512,846
Securities available for sale (AFS), at fair value	29,324,105	34,946,225
Securities held to maturity (HTM), at amortized cost	106,780,655	126,988,316
Federal Home Loan Bank and Federal Reserve Bank stock - at cost	5,957,800	6,315,600
Loans receivable - net of allowance for loan losses of $7,099,659 and $7,669,147	692,247,025	654,449,936
Premises and equipment, net	13,493,936	12,132,141
Foreclosed real estate	10,546,881	10,469,302
Accrued interest receivable	3,012,870	2,784,396
Investment in bank owned life insurance	17,771,896	17,447,692
Other assets	12,653,040	10,579,058
Total Assets	905,774,797	885,936,102
Deposits
Noninterest-bearing deposits	84,199,169	75,642,197
Interest-bearing deposits	669,732,661	648,940,129
Total deposits	753,931,830	724,582,326
Short-term borrowings	1,860,549	816,422
Long-term debt	60,600,557	70,624,044
Guaranteed preferred beneficial interest in junior subordinated debentures	12,000,000	12,000,000
Accrued expenses and other liabilities	6,437,512	6,808,383
Total Liabilities	834,830,448	814,831,175
Stockholders' Equity
Common stock - par value $.01; authorized - 15,000,000 shares; issued 3,023,534 and 3,002,616 shares, respectively	30,235	30,026
Additional paid in capital	17,296,309	16,962,460
Retained earnings	37,496,035	37,892,557
Accumulated other comprehensive gain	443,745	411,188
Unearned ESOP shares	(638,975)	(508,304)
Total Stockholders' Equity	70,944,349	71,104,927
Total Liabilities and Stockholders' Equity	905,774,797	885,936,102
Preferred Stock, Series A
Stockholders' Equity
Fixed Rate Cumulative Perpetual Preferred Stock, value	15,540,000	15,540,000
Preferred Stock, Series B
Stockholders' Equity
Fixed Rate Cumulative Perpetual Preferred Stock, value	$ 777,000	$ 777,000