CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,667,752	$ 3,599,842
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	3,541,345	2,784,007
Depreciation and amortization	659,146	775,545
Loans originated for resale	(4,505,200)	(10,464,412)
Proceeds from sale of loans originated for sale	4,607,534	10,799,746
Gain on sale of loans held for sale	(133,287)	(386,642)
Gain on the sale of foreclosed real estate	(38,218)
Gain on sale of asset	(12,500)	(22,500)
Net amortization of premium/discount on investment securities	148,066	(223,610)
Increase in foreclosed real estate valuation allowance	658,583	287,934
Increase in cash surrender of bank owned life insurance	(487,227)	(6,337,133)
Deferred income tax benefit	(9,001)	(816,555)
Increase in accrued interest receivable	(223,542)	(3,950)
Decrease in deferred loan fees	(562,689)	(16,236)
Increase in accounts payable, accrued expenses, other liabilities	834,523	485,056
(Increase) decrease in other assets	(354,580)	82,815
Net cash provided by operating activities	6,790,705	543,907
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of investment securities available for sale	(16,938,289)	(98,504)
Proceeds from redemption or principal payments of investment securities available for sale	7,770,836	14,401,001
Purchase of investment securities held to maturity	(44,566,549)	(82,113,950)
Proceeds from maturities or principal payments of investment securities held to maturity	31,417,121	33,598,091
Net decrease of FHLB and Federal Reserve stock	560,000	416,800
Loans originated or acquired	(212,137,977)	(171,318,179)
Principal collected on loans	160,219,253	150,620,143
Purchase of premises and equipment	(3,093,456)	(972,208)
Proceeds from sale of foreclosed real estate	8,611,201
Proceeds from sale of assets	12,500	22,500
Net cash used in investing activities	(68,145,360)	(55,444,306)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	88,467,742	77,171,980
Payments of long-term borrowings	(10,035,408)	(5,034,018)
Net decrease in short-term borrowings	(383,019)	(9,297,323)
Exercise of stock options	311,306	31,858
Proceeds from Small Business Lending Fund Preferred Stock	20,000,000
Redemption of Troubled Asset Relief Program Preferred Stock	(16,317,000)
Dividends Paid	(1,932,099)	(1,831,387)
Redemption of common stock	(409,967)
Net change in unearned ESOP shares	(449,645)	10,699
Net cash provided by financing activities	79,251,910	61,051,809
INCREASE IN CASH AND CASH EQUIVALENTS	17,897,255	6,151,410
CASH AND CASH EQUIVALENTS - JANUARY 1	9,823,436	11,247,967
CASH AND CASH EQUIVALENTS - SEPTEMBER 30	27,720,691	17,399,377
Cash paid during the nine months for:
Interest	9,864,986	10,370,713
Income taxes	2,351,137	3,398,891
Transfer from loans to foreclosed real estate	7,878,778	10,986,846
Issuance of common stock for payment of compensation	$ 249,639