CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 3,519,346	$ 2,667,752
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	1,523,580	3,541,345
Depreciation and amortization	845,804	659,146
Loans originated for resale	(9,987,050)	(4,505,200)
Proceeds from sale of loans originated for sale	10,383,776	4,607,534
Gain on sale of loans held for sale	(471,725)	(133,287)
Net loss (gain) on the sale of OREO	96,917	(38,218)
Gain on sale of asset	0	(12,500)
Net amortization of premium/discount on investment securities	308,509	148,066
Increase in OREO valuation allowance	657,226	658,583
Increase in cash surrender of bank owned life insurance	(476,293)	(487,227)
Deferred income tax benefit	(773,527)	(9,001)
Increase in accrued interest receivable	(39,413)	(223,542)
Stock based compensation	263,088	249,638
Increase (Decrease) in deferred loan fees	104,942	(562,689)
Increase in accounts payable, accrued expenses, other liabilities	441,789	834,523
Decrease (Increase) in other assets	2,411,207	(354,580)
Net cash provided by operating activities	8,808,176	7,040,343
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of AFS investment securities	(10,101,789)	(16,938,289)
Proceeds from redemption or principal payments of AFS investment securities	15,465,959	7,770,836
Purchase of HTM investment securities	(11,249,535)	(44,566,549)
Proceeds from maturities or principal payments of HTM investment securities	39,413,413	31,417,121
Net decrease of FHLB and Federal Reserve stock	155,250	560,000
Loans originated or acquired	(173,628,906)	(212,137,977)
Principal collected on loans	147,989,755	160,219,253
Purchase of premises and equipment	(4,253,518)	(3,093,456)
Proceeds from sale of OREO	344,512	8,611,201
Proceeds from sale of assets	0	12,500
Net cash provided by (used in) investing activities	4,135,141	(68,145,360)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in deposits	(4,265,600)	88,467,742
Payments of long-term borrowings	(36,854)	(10,035,408)
Net decrease in short term borrowings	0	(383,019)
Exercise of stock options	67,391	61,668
Proceeds from Small Business lending Fund Preferred Stock	0	20,000,000
Redemption of Troubled Asset Relief Program Preferred Stock	0	(16,317,000)
Dividends Paid	(1,371,571)	(1,932,099)
Net change in unearned ESOP shares	(1,942)	(449,645)
Redemption of common stock	(257,935)	(409,967)
Net cash (used in) provided by financing activities	(5,866,511)	79,002,272
INCREASE IN CASH AND CASH EQUIVALENTS	7,076,806	17,897,255
CASH AND CASH EQUIVALENTS - JANUARY 1	19,118,189	9,823,436
CASH AND CASH EQUIVALENTS - SEPTEMBER 30	26,194,995	27,720,691
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest	8,340,170	9,864,986
Income taxes	1,470,590	2,351,137
Transfer from loans to foreclosed real estate	2,165,376	7,878,778
Issuance of common stock for payment of compensation	$ 263,088	$ 249,639