Consolidated Statements of Operations (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME
Interest and fees on loans	$ 11,991,200	$ 13,633,597	$ 24,078,842	$ 27,052,073
Interest on debt securities:
Taxable	1,342,958	1,118,098	2,497,854	2,182,077
Nontaxable	254,093	294,553	529,901	620,755
Interest on federal funds sold and securities purchased under agreements to resell	25	47	62	83
Interest on interest-bearing deposits	11,695	21,891	32,288	35,522
Dividends on other securities	40,661	34,750	84,361	85,447
Total interest income	13,640,632	15,102,936	27,223,308	29,975,957
Interest on deposits:
Savings, interest checking and money market	447,813	554,453	931,504	1,185,206
Time deposit accounts $100,000 and over	432,649	651,252	895,821	1,362,634
Other time deposit accounts	1,315,987	1,850,082	2,738,789	3,848,733
Interest on federal funds purchased and securities sold under agreements to repurchase	12,628	19,123	25,983	39,663
Interest on subordinated notes	323,016	323,246	725,177	847,546
Interest on other borrowed money	326,008	590,653	642,967	1,267,014
Total interest expense	2,858,101	3,988,809	5,960,241	8,550,796
Net interest income	10,782,531	11,114,127	21,263,067	21,425,161
Provision for loan losses	1,883,334	2,150,000	3,633,336	4,655,000
Net interest income after provision for loan losses	8,899,197	8,964,127	17,629,731	16,770,161
NON-INTEREST INCOME
Service charges on deposit accounts	1,419,272	1,427,202	2,729,763	2,723,290
Trust department income	228,771	200,644	423,866	379,506
Gain on sale of mortgage loans, net	215,996	297,201	462,230	521,774
Other	314,585	524,973	614,845	830,906
Total non-interest income	2,178,624	2,450,020	4,230,704	4,455,476
NON-INTEREST EXPENSE
Salaries and employee benefits	4,333,620	4,550,320	9,010,693	9,207,441
Occupancy expense, net	584,685	604,734	1,223,049	1,226,406
Furniture and equipment expense	509,104	534,611	1,015,783	1,026,650
FDIC insurance assessment	396,266	435,020	875,013	845,198
Legal, examination, and professional fees	307,105	336,033	797,609	583,323
Advertising and promotion	269,700	296,834	501,875	575,023
Postage, printing, and supplies	295,774	286,190	564,481	574,356
Processing expense	812,808	856,495	1,634,885	1,706,860
Other real estate expense	548,436	1,506,291	1,040,869	2,012,746
Other	950,627	913,110	1,721,592	1,692,381
Total non-interest expense	9,008,125	10,319,638	18,385,849	19,450,384
Income before income taxes	2,069,696	1,094,509	3,474,586	1,775,253
Income tax expense	661,202	312,043	1,112,475	499,019
Net income	1,408,494	782,466	2,362,111	1,276,234
Preferred stock dividends	382,390	382,390	752,173	752,173
Accretion of discount on preferred stock	119,118	119,118	238,237	238,237
Net income available to common shareholders	$ 906,986	$ 280,958	$ 1,371,701	$ 285,824
Basic earnings per share	$ 0.19	$ 0.06	$ 0.29	$ 0.06
Diluted earnings per share	$ 0.19	$ 0.06	$ 0.29	$ 0.06