CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest and Dividend Income
Loans, including fees	$ 9,292,814	$ 8,669,783	$ 27,166,020	$ 26,157,242
Taxable interest and dividends on investment securities	832,833	1,128,613	2,692,185	3,491,626
Interest on deposits with banks	8,860	7,089	12,524	13,236
Total Interest and Dividend Income	10,134,507	9,805,485	29,870,729	29,662,104
Interest Expenses
Deposits	2,772,278	2,702,183	7,976,759	8,213,306
Short-term borrowings	11,638	6,821	36,093	23,700
Long-term debt	594,584	663,943	1,756,394	1,944,698
Total Interest Expenses	3,378,500	3,372,947	9,769,246	10,181,704
Net Interest Income	6,756,007	6,432,538	20,101,483	19,480,400
Provision for loan losses	644,654	1,121,203	3,541,345	2,784,007
Net Interest Income After Provision For Loan Losses	6,111,353	5,311,335	16,560,138	16,696,393
Noninterest Income
Loan appraisal, credit, and miscellaneous charges	240,941	182,321	592,672	436,121
Gain on sale of asset	12,500		12,500	22,500
Gain on sale of foreclosed real estate	38,218		38,218
Income from bank owned life insurance	163,023	126,219	487,227	337,133
Service charges	518,545	471,277	1,485,378	1,317,932
Gain on sale of loans held for sale	53,129	214,942	133,287	386,642
Total Noninterest Income	1,026,356	994,759	2,749,282	2,500,328
Noninterest Expenses
Salary and employee benefits	2,801,642	2,450,743	8,228,509	7,212,098
Occupancy expense	459,412	403,892	1,344,384	1,297,934
Advertising	154,127	104,010	388,164	282,612
Data processing expense	262,331	269,500	833,440	764,317
Professional fees	237,415	143,839	687,656	588,072
Depreciation of furniture, fixtures, and equipment	106,808	138,729	309,000	400,672
Telephone communications	38,943	46,973	125,174	129,201
Office supplies	50,418	41,343	126,318	120,779
FDIC insurance	329,261	318,762	985,602	1,065,527
Valuation allowance on foreclosed real estate	342,700		658,583	287,934
Other	494,337	519,634	1,625,086	1,426,321
Total Noninterest Expenses	5,277,394	4,437,425	15,311,916	13,575,467
Income before income taxes	1,860,315	1,868,669	3,997,504	5,621,254
Income tax expense	653,856	669,335	1,329,752	2,021,412
Net Income	1,206,459	1,199,334	2,667,752	3,599,842
Preferred stock dividends	197,912	211,733	621,377	635,198
Net Income Available to Common Shareholders	$ 1,008,547	$ 987,601	$ 2,046,375	$ 2,964,644
Per Common Share
Basic earnings	$ 0.33	$ 0.33	$ 0.68	$ 0.99
Diluted earnings	$ 0.33	$ 0.33	$ 0.67	$ 0.99
Cash dividends paid			$ 0.40	$ 0.40