CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and Dividend Income
Loans, including fees	$ 9,340,139	$ 9,113,063	$ 27,703,885	$ 27,624,323
Taxable interest and dividends on investment securities	631,652	768,611	1,852,692	2,465,529
Interest on deposits with banks	3,268	4,982	8,552	7,730
Total Interest and Dividend Income	9,975,059	9,886,656	29,565,129	30,097,582
Interest Expenses
Deposits	1,335,916	2,001,535	4,332,351	6,630,820
Short-term borrowings	4,237	298	12,930	12,483
Long-term debt	532,833	537,216	1,569,247	1,684,772
Total Interest Expenses	1,872,986	2,539,049	5,914,528	8,328,075
Net Interest Income	8,102,073	7,347,607	23,650,601	21,769,507
Provision for loan losses	285,610	746,075	640,210	1,523,580
Net Interest Income After Provision For Loan Losses	7,816,463	6,601,532	23,010,391	20,245,927
Noninterest Income
Loan appraisal, credit, and miscellaneous charges	55,620	280,456	374,769	663,897
Gain on sale of asset			11,000
Net losses on sale of OREO	215,345		215,345	(96,917)
Income from bank owned life insurance	156,348	157,177	464,775	476,294
Service charges	661,134	528,420	1,764,314	1,530,323
Gain on sale of loans held for sale	30,769	336,384	546,819	471,725
Total Noninterest Income	1,119,216	1,302,437	3,377,022	3,045,322
Noninterest Expense
Salary and employee benefits	3,737,000	3,492,524	10,883,606	9,982,603
Occupancy expense	504,627	487,233	1,556,877	1,389,024
Advertising	118,421	86,020	391,152	345,111
Data processing expense	237,054	329,005	967,368	1,118,598
Professional fees	293,028	177,818	754,719	746,322
Depreciation of furniture, fixtures, and equipment	191,320	188,870	580,842	486,159
Telephone communications	45,787	45,563	148,516	137,649
Office supplies	41,689	52,751	151,157	186,741
FDIC Insurance	284,591	201,607	858,860	1,092,809
Valuation allowance on OREO	170,560	31,050	500,536	657,226
Other	621,650	508,343	1,701,338	1,719,647
Total Noninterest Expense	6,245,727	5,600,784	18,494,971	17,861,889
Income before income taxes	2,689,952	2,303,185	7,892,442	5,429,360
Income tax expense	987,111	830,244	2,885,761	1,910,014
Net Income	1,702,841	1,472,941	5,006,681	3,519,346
Preferred stock dividends	50,000	50,000	150,000	150,000
Net Income Available to Common Shareholders	1,652,841	1,422,941	4,856,681	3,369,346
Net Income	1,702,841	1,472,941	5,006,681	3,519,346
Net unrealized holding gains (losses) arising during period, net of tax	(231,346)	68,791	(1,050,124)	76,542
Comprehensive Income	$ 1,471,495	$ 1,541,732	$ 3,956,557	$ 3,595,888
Earnings Per Common Share
Basic (in dollars per share)	$ 0.55	$ 0.47	$ 1.61	$ 1.11
Diluted (in dollars per share)	$ 0.55	$ 0.47	$ 1.60	$ 1.10
Cash dividends paid per common share (in dollars per share)	$ 0.10		$ 0.30	$ 0.40