CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Interest and Dividend Income
Loans, including fees	$ 9,247,666	$ 9,224,883
Taxable interest and dividends on investment securities	589,693	881,817
Interest on deposits with banks	2,598	1,684
Total Interest and Dividend Income	9,839,957	10,108,384
Interest Expenses
Deposits	1,532,963	2,412,342
Short-term borrowings	22,406	15,841
Long-term debt	467,918	595,502
Total Interest Expenses	2,023,287	3,023,685
Net Interest Income	7,816,670	7,084,699
Provision	154,173	341,074
Net Interest Income After Provision For Loan Losses	7,662,497	6,743,625
Noninterest Income
Loan appraisal, credit, and miscellaneous charges	188,428	181,314
Net losses on sale of OREO	0	(96,917)
Income from bank owned life insurance	151,433	159,206
Service charges	470,633	536,512
Gain on sale of loans held for sale	378,584	65,975
Total Noninterest Income	1,189,078	846,090
Noninterest Expense
Salary and employee benefits	3,556,996	3,319,866
Occupancy expense	482,771	437,472
Advertising	103,888	80,008
Data processing expense	363,834	368,440
Professional fees	197,337	225,209
Depreciation of furniture, fixtures, and equipment	192,430	134,925
Telephone communications	48,948	43,774
Office supplies	63,453	62,062
FDIC Insurance	301,432	443,615
Valuation allowance on OREO	310,500	300,000
Other	521,235	482,048
Total Noninterest Expense	6,142,824	5,897,419
Income before income taxes	2,708,751	1,692,296
Income tax expense	990,360	587,043
Net Income	1,718,391	1,105,253
Preferred stock dividends	50,000	50,000
Net income available to common shareholders	1,668,391	1,055,253
Net Income	1,718,391	1,105,253
Other comprehensive loss net of tax:
Net unrealized holding losses arising during period, net of tax	(75,608)	(41,906)
Comprehensive Income	$ 1,642,783	$ 1,063,347
Earnings Per Common Share
Basic (in dollars per share)	$ 0.55	$ 0.35
Diluted (in dollars per share)	$ 0.54	$ 0.35
Cash dividends paid per common share (in dollars per share)	$ 0.10	$ 0.40