Consolidated Balance Sheets (Unaudited) (USD $)	Jun. 30, 2011	Dec. 31, 2010
ASSETS
Loans	$ 868,798,817	$ 898,472,463
Allowances for loan losses	(13,863,050)	(14,564,867)
Net loans	854,935,767	883,907,596
Investment in available-for-sale securities, at fair value	219,697,283	178,977,550
Federal funds sold and securities purchased under agreements to resell	171,338	125,815
Cash and due from banks	35,068,582	50,853,985
Premises and equipment - net	37,464,951	36,980,503
Other real estate owned and repossessed assets - net	15,768,518	14,009,017
Accrued interest receivable	5,672,339	5,733,684
Mortgage servicing rights	2,271,915	2,355,990
Intangible assets - net	750,796	977,509
Cash surrender value - life insurance	2,036,197	2,001,965
Other assets	20,869,488	24,248,590
Total assets	1,194,707,174	1,200,172,204
Deposits:
Non-interest bearing demand	148,139,814	137,749,571
Savings, interest checking and money market	385,873,185	379,137,539
Time deposits $100,000 and over	132,783,863	124,566,760
Other time deposits	295,275,735	305,208,786
Total deposits	962,072,597	946,662,656
Federal funds purchased and securities sold under agreements to repurchase	28,689,667	30,068,453
Subordinated notes	49,486,000	49,486,000
Other borrowed money	43,656,668	66,985,978
Accrued interest payable	1,690,994	1,491,503
Other liabilities	4,766,987	3,989,303
Total liabilities	1,090,362,913	1,098,683,893
Stockholders' equity:
Preferred stock, $1,000 par value Authorized and issued 30,255 shares	29,079,479	28,841,242
Common stock, $1 par value Authorized 15,000,000 shares; issued 4,814,852, and 4,635,891 shares, respectively	4,635,891	4,635,891
Surplus	30,420,956	28,928,545
Retained earnings	41,318,862	41,857,302
Accumulated other comprehensive income, net of tax	2,405,891	742,149
Treasury stock; 161,858 shares, at cost	(3,516,818)	(3,516,818)
Total stockholders' equity	104,344,261	101,488,311
Total liabilities and stockholders' equity	$ 1,194,707,174	$ 1,200,172,204