CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Cash Flows from Operating Activities
Net income	$ 1,718,391	$ 1,105,253
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan losses	154,173	341,074
Depreciation and amortization	323,233	249,149
Loans originated for resale	(12,609,950)	(1,718,600)
Proceeds from sale of loans originated for sale	12,904,666	1,774,555
Gain on sale of loans held for sale	(378,584)	(65,975)
Net losses on the sale of OREO	0	96,917
Net amortization of premium/discount on investment securities	183,936	116,842
Increase in OREO valuation allowance	310,500	300,000
Increase in cash surrender of bank owned life insurance	(151,433)	(159,206)
Deferred income tax benefit	(166,396)	(333,582)
(Increase) Decrease in accrued interest receivable	(123,522)	31,456
Stock based compensation	249,129	201,060
Decrease in deferred loan fees	(1,581)	(33,169)
Increase in accounts payable, accrued expenses and other liabilities	(1,699,070)	(1,552,278)
Decrease in other assets	887,715	1,673,791
Net Cash Provided by Operating Activities	1,601,207	2,027,287
Cash Flows from Investing Activities
Purchase of AFS investment securities	(22,258)	(27,457)
Proceeds from redemption or principal payments of AFS investment securities	2,519,650	7,641,683
Purchase of HTM investment securities	(10,932,813)	(849,785)
Proceeds from maturities or principal payments of HTM investment securities	12,658,595	13,615,678
Net decrease of FHLB and Federal Reserve stock	(153,100)	(401,900)
Loans originated or acquired	(37,456,655)	(58,330,528)
Principal collected on loans	49,739,363	45,043,677
Purchase of premises and equipment	(57,322)	(1,771,651)
Proceeds from sale of OREO	0	299,032
Net Cash Provided by Investing Activities	16,295,460	5,218,749
Cash Flows from Financing Activities
Net decrease in deposits	(21,376,863)	(21,564,090)
Proceeds from long-term borrowings	10,000,000	0
Payments of long-term borrowings	(12,659)	(12,162)
Net (decrease) increase in short term borrowings	(1,000,000)	7,000,000
Exercise of stock options	33,200	66,895
Dividends paid	(353,999)	(55,001)
Net change in unearned ESOP shares	176,843	(35,990)
Redemption of common stock	(112,341)	0
Net Cash Used in Financing Activities	(12,645,819)	(14,600,348)
Increase (Decrease) in Cash and Cash Equivalents	5,250,848	(7,354,312)
Cash and Cash Equivalents - January 1	11,295,655	19,118,189
Cash and Cash Equivalents - March 31	16,546,503	11,763,877
Supplemental Disclosures of Cash Flow Information
Interest	2,082,743	2,941,360
Income taxes	200,000	0
Supplemental Schedule of Non-Cash Operating Activities
Issuance of common stock for payment of compensation	249,129	201,060
Transfer from loans to OREO	$ 370,800	$ 135,270