CONSOLIDATED BALANCE SHEETS (USD $)	Jun. 30, 2013	Dec. 31, 2012
Assets
Cash and due from banks	$ 10,768,998	$ 10,696,653
Federal funds sold	3,470,000	190,000
Interest-bearing deposits with banks	1,336,720	409,002
Securities available for sale (AFS), at fair value	54,103,851	47,205,663
Securities held to maturity (HTM), at amortized cost	99,896,483	112,619,434
Federal Home Loan Bank and Federal Reserve Bank stock - at cost	6,666,550	5,476,050
Loans held for sale	320,000
Loans receivable - net of allowance for loan losses of $8,033,553 and $8,246,957	745,251,604	747,640,752
Premises and equipment, net	19,289,816	19,782,236
Other real estate owned (OREO)	6,932,177	6,891,353
Accrued interest receivable	2,902,627	2,904,325
Investment in bank owned life insurance	19,039,007	18,730,580
Other assets	10,124,507	9,093,164
Total Assets	980,102,340	981,639,212
Liabilities and Stockholders' Equity
Non-interest-bearing deposits	89,565,889	102,319,581
Interest-bearing deposits	695,115,348	717,910,707
Total deposits	784,681,237	820,230,288
Short-term borrowings	24,000,000	1,000,000
Long-term debt	70,501,763	60,527,208
Guaranteed preferred beneficial interest in junior subordinated debentures (TRUPs)	12,000,000	12,000,000
Accrued expenses and other liabilities	7,846,870	8,834,455
Total Liabilities	899,029,870	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	30,455	30,524
Additional paid in capital	18,222,907	17,873,560
Retained earnings	44,283,597	41,986,633
Accumulated other comprehensive gain (loss)	(679,594)	139,184
Unearned ESOP shares	(784,895)	(982,640)
Total Stockholders' Equity	81,072,470	79,047,261
Total Liabilities and Stockholders' Equity	$ 980,102,340	$ 981,639,212