CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2012	Dec. 31, 2011
Assets
Cash and due from banks	$ 21,817,369	$ 13,074,091
Federal funds sold	2,155,000	5,040,000
Interest-bearing deposits with banks	2,222,626	1,004,098
Securities available for sale (AFS), at fair value	36,578,992	41,827,612
Securities held to maturity (HTM), at amortized cost	125,044,874	153,516,839
Federal Home Loan Bank and Federal Reserve Bank stock - at cost	5,431,750	5,587,000
Loans receivable - net of allowance for loan losses of $8,096,152 and $7,655,041	732,009,028	710,088,775
Premises and equipment, net	19,848,616	16,440,902
Foreclosed real estate (OREO)	6,095,233	5,028,513
Accrued interest receivable	3,067,197	3,027,784
Investment in bank owned life insurance	18,574,378	18,098,085
Other assets	9,068,914	10,746,024
Total Assets	981,913,977	983,479,723
Liabilities and Stockholders' Equity
Non-interest-bearing deposits	86,838,602	81,097,622
Interest-bearing deposits	736,148,999	746,155,579
Total deposits	822,987,601	827,253,201
Short-term borrowings	0	0
Long-term debt	60,539,741	60,576,595
Guaranteed preferred beneficial interest in junior subordinated debentures	12,000,000	12,000,000
Accrued expenses and other liabilities	8,637,618	8,195,829
Total Liabilities	904,164,960	908,025,625
Stockholders' Equity
Preferred Stock, value	20,000,000	20,000,000
Common stock - par value $.01; authorized - 15,000,000 shares; issued 3,040,918 and 3,026,557 shares, respectively	30,409	30,266
Additional paid in capital	17,732,913	17,367,403
Retained earnings	40,602,194	38,712,194
Accumulated other comprehensive gain	366,141	289,599
Unearned ESOP shares	(982,640)	(945,364)
Total Stockholders' Equity	77,749,017	75,454,098
Total Liabilities and Stockholders' Equity	981,913,977	983,479,723
Preferred Stock, Senior Non-Cumulative Perpetual, Series C
Stockholders' Equity
Preferred Stock, value	$ 20,000,000	$ 20,000,000