Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
Cash flows from operating activities:
Net income	$ 2,362,111	$ 1,276,234
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	3,633,336	4,655,000
Depreciation expense	963,122	1,005,026
Net amortization of debt securities, premiums, and discounts	406,130	283,997
Amortization of core deposit intangible assets	226,713	290,425
Stock based compensation expense	33,877	48,542
Loss on sales and dispositions of premises and equipment	667	59,621
Loss on sales and dispositions of other real estate owned and repossessions	258,885	1,234,995
Provision for other real estate owned	440,805
Decrease in accrued interest receivable	61,345	692,372
Increase in cash surrender value -life insurance	(34,232)	(30,156)
Decrease (increase) in income tax receivable	1,112,475	(803,397)
Decrease in other assets	277,522	965,928
Increase (decrease) in accrued interest payable	199,491	(141,173)
Increase in other liabilities	777,683	831,382
Origination of mortgage loans for sale	(23,115,786)	(29,524,264)
Proceeds from the sale of mortgage loans	22,336,960	30,046,038
Gain on sale of mortgage loans, net	(462,230)	(521,774)
Decrease in net deferred tax asset	15,332	1,346,832
Other, net	23,982	23,982
Net cash provided by operating activities	9,518,188	11,739,610
Cash flows from investing activities:
Net decrease in loans	20,636,247	27,991,681
Purchase of available-for-sale debt securities	(83,043,472)	(140,268,118)
Proceeds from maturities of available-for-sale debt securities	19,097,740	98,037,862
Proceeds from calls of available-for-sale debt securities	25,508,000	28,780,100
Proceeds from sales of FHLB stock	1,077,100	595,200
Purchases of premises and equipment	(1,487,479)	(239,112)
Proceeds from sales of premises and equipment	34,249	34,528
Proceeds from sales of other real estate owned and repossessions	3,421,481	4,802,109
Net cash (used) provided in investing activities	(14,756,134)	19,734,250
Cash flows from financing activities:
Net increase (decrease) in demand deposits	10,390,244	(3,512,371)
Net increase in interest-bearing transaction accounts	6,971,783	38,040,414
Net decrease in time deposits	(1,952,085)	(19,492,569)
Net decrease in federal funds purchased and securities sold under agreements to repurchase	(1,378,786)	(1,476,597)
Repayment of Federal Home Loan Bank advances	(23,329,310)	(11,967,528)
Cash dividends paid - preferred stock	(756,376)	(756,375)
Cash dividends paid - common stock	(447,404)	(946,430)
Net cash provided by financing activities	(10,501,934)	(111,456)
Net (decrease) increase in cash and cash equivalents	(15,739,880)	31,362,404
Cash and cash equivalents, beginning of period	50,979,800	24,665,695
Cash and cash equivalents, end of period	35,239,920	56,028,099
Cash paid during the period for:
Interest	5,760,750	8,691,969
Income taxes		200,000
Supplemental schedule of noncash investing and financing activities:
Other real estate and repossessions acquired in settlement of loans	$ 5,943,302	$ 11,750,040