CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Cash Flows from Operating Activities
Net income	$ 5,006,681	$ 3,519,346
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan losses	640,210	1,523,580
Depreciation and amortization	965,380	845,804
Loans originated for resale	(20,903,681)	(9,987,050)
Proceeds from sale of loans originated for sale	21,326,491	10,383,776
Gain on sale of loans held for sale	(546,819)	(471,725)
Net (gains) losses on the sale of OREO	(215,345)	96,917
Gain on sale of asset	(11,000)
Net amortization of premium/discount on investment securities	440,932	308,509
Increase in OREO valuation allowance	500,536	657,226
Increase in cash surrender of bank owned life insurance	(464,775)	(476,293)
Deferred income tax benefit	(128,314)	(773,527)
Decrease (Increase) in accrued interest receivable	54,259	(39,413)
Stock based compensation	249,129	263,088
(Decrease in deferred loan fees	215,478	104,942
Decrease in accounts payable, accrued expenses and other liabilities	(455,443)	441,789
(Increase) Decrease in other assets	(165,764)	2,411,207
Net Cash Provided by Operating Activities	6,507,955	8,808,176
Cash Flows from Investing Activities
Purchase of AFS investment securities	(13,486,742)	(10,101,789)
Proceeds from redemption or principal payments of AFS investment securities	8,091,820	15,465,959
Purchase of HTM investment securities	(11,682,813)	(11,249,535)
Proceeds from maturities or principal payments of HTM investment securities	32,651,698	39,413,413
Net increase of FHLB and FRB stock	(117,050)	155,250
Loans originated or acquired	(182,200,307)	(173,628,906)
Principal collected on loans	168,063,366	147,989,755
Purchase of premises and equipment	(455,356)	(4,253,518)
Proceeds from sale of OREO	712,945	344,512
Proceeds from disposal of assets	11,000
Net Cash Provided by Investing Activities	1,588,561	4,135,141
Cash Flows from Financing Activities
Net decrease in deposits	(2,982,829)	(4,265,600)
Proceeds from long-term borrowings	10,000,000
Payments of long-term borrowings	(38,360)	(36,854)
Net increase in short term borrowings	1,640,000
Exercise of stock options	125,222	67,391
Dividends paid	(1,063,992)	(1,371,571)
Net change in unearned ESOP shares	126,812	(1,942)
Redemption of common stock	(302,519)	(257,935)
Net Cash Used in Financing Activities	7,504,334	(5,866,511)
Increase (Decrease) in Cash and Cash Equivalents	15,600,850	7,076,806
Cash and Cash Equivalents - January 1	11,295,655	19,118,189
Cash and Cash Equivalents - June 30	26,896,505	26,194,995
Supplemental Disclosures of Cash Flow Information
Interest	5,856,848	8,340,170
Income taxes	3,164,596	1,470,590
Supplemental Schedule of Non-Cash Operating Activities
Issuance of common stock for payment of compensation	249,129	263,088
Transfer from loans to OREO	$ 1,390,286	$ 2,165,376