CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2013	Dec. 31, 2012
Assets
Cash and due from banks	$ 23,269,755	$ 10,696,653
Federal funds sold		190,000
Interest-bearing deposits with banks	3,626,750	409,002
Securities available for sale (AFS), at fair value	50,869,490	47,205,663
Securities held to maturity (HTM), at amortized cost	91,349,615	112,619,434
Federal Home Loan Bank and Federal Reserve Bank stock - at cost	5,593,100	5,476,050
Loans receivable - net of allowance for loan losses of $8,079,277 and $8,246,957	759,880,727	747,640,752
Premises and equipment, net	19,272,212	19,782,236
Other real estate owned (OREO)	7,058,504	6,891,353
Accrued interest receivable	2,850,066	2,904,325
Investment in bank owned life insurance	19,195,355	18,730,580
Other assets	9,938,081	9,093,164
Total Assets	992,903,655	981,639,212
Liabilities and Stockholders' Equity
Non-interest-bearing deposits	107,856,339	102,319,581
Interest-bearing deposits	709,391,120	717,910,707
Total deposits	817,247,459	820,230,288
Short-term borrowings	2,640,000	1,000,000
Long-term debt	70,488,848	60,527,208
Guaranteed preferred beneficial interest in junior subordinated debentures (TRUPs)	12,000,000	12,000,000
Accrued expenses and other liabilities	8,379,012	8,834,455
Total Liabilities	910,755,319	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 3,048,439 and 3,052,416 shares, respectively	30,484	30,524
Additional paid in capital	18,275,729	17,873,560
Retained earnings	45,626,970	41,986,633
Accumulated other comprehensive gain (loss)	(910,940)	139,184
Unearned ESOP shares	(873,907)	(982,640)
Total Stockholders' Equity	82,148,336	79,047,261
Total Liabilities and Stockholders' Equity	$ 992,903,655	$ 981,639,212