CONSOLIDATED BALANCE SHEETS (USD $)	Mar. 31, 2013	Dec. 31, 2012
Assets
Cash and due from banks	$ 15,550,883	$ 10,696,653
Federal funds sold	420,000	190,000
Interest-bearing deposits with banks	575,620	409,002
Securities available for sale (AFS), at fair value	44,552,200	47,205,663
Securities held to maturity (HTM), at amortized cost	110,751,230	112,619,434
Federal Home Loan Bank and Federal Reserve Bank stock - at cost	5,629,150	5,476,050
Loans receivable - net of allowance for loan losses of $8,350,000 and $8,246,957	734,918,520	747,640,752
Premises and equipment, net	19,516,325	19,782,236
Other real estate owned (OREO)	6,951,653	6,891,353
Accrued interest receivable	3,027,847	2,904,325
Investment in bank owned life insurance	18,882,013	18,730,580
Other assets	8,414,278	9,093,164
Total Assets	969,189,719	981,639,212
Liabilities and Stockholders' Equity
Non-interest-bearing deposits	95,813,418	102,319,581
Interest-bearing deposits	703,040,007	717,910,707
Total deposits	798,853,425	820,230,288
Short-term borrowings	0	1,000,000
Long-term debt	70,514,549	60,527,208
Guaranteed preferred beneficial interest in junior subordinated debentures	12,000,000	12,000,000
Accrued expenses and other liabilities	7,135,385	8,834,455
Total Liabilities	888,503,359	902,591,951
Stockholders' Equity
Preferred Stock, Senior Non-Cumulative Perpetual, Series C - par value $1,000; authorized 20,000; issued 20,000	20,000,000	20,000,000
Common stock - par value $.01; authorized - 15,000,000 shares; issued 3,050,385 and 3,052,416 shares, respectively	30,504	30,524
Additional paid in capital	18,168,428	17,873,560
Retained earnings	43,238,747	41,986,633
Accumulated other comprehensive gain	63,576	139,184
Unearned ESOP shares	(814,895)	(982,640)
Total Stockholders' Equity	80,686,360	79,047,261
Total Liabilities and Stockholders' Equity	$ 969,189,719	$ 981,639,212