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Consolidated Statements of Operations (USD $)
 3 Months Ended 6 Months Ended
Jun. 30, 2011
Jun. 30, 2010
Jun. 30, 2011
Jun. 30, 2010
INTEREST INCOME        
Loans, including fees $ 4,521,370 $ 5,493,946 $ 9,160,175 $ 11,442,192
Investment securities 621,108 1,216,300 1,189,780 2,345,579
Federal funds sold & other earning assets 17,325 21,732 28,328 45,393
Total interest income 5,159,803 6,731,978 10,378,283 13,833,164
INTEREST EXPENSE        
Time deposits 1,011,776 1,619,243 2,064,225 3,303,270
Other deposits 99,936 99,606 192,548 197,329
Federal funds purchased and securities sold under agreements to repurchase 33,712 32,142 64,715 67,557
FHLB advances and other borrowings 545,413 759,803 1,125,071 1,539,000
Total interest expense 1,690,837 2,510,794 3,446,559 5,107,156
Net interest income before provision for loan losses 3,468,966 4,221,184 6,931,724 8,726,008
Provision for loan losses 15,000 1,465,000 30,000 2,480,000
Net interest income after the provision for loan losses 3,453,966 2,756,184 6,901,724 6,246,008
NONINTEREST INCOME        
Customer service fee 225,263 342,126 440,714 684,040
Net gains from sale of securities 47,742 618,745 47,742 639,587
Net gains from sale of loans and other assets 21,517 109,593 55,544 129,886
Other noninterest income 21,531 20,757 41,810 41,371
Total noninterest income 316,053 1,091,221 585,810 1,494,884
NONINTEREST EXPENSE        
Salaries and employee benefits 1,501,836 1,521,216 3,044,538 3,154,560
Net occupancy and equipment expense 350,280 368,506 756,614 723,689
Depository insurance 241,505 259,904 564,160 529,643
Foreclosed assets, net 716,505 796,345 1,078,075 992,518
Other operating expense 847,281 938,388 1,630,635 1,883,947
Total noninterest expense 3,657,407 3,884,359 7,074,022 7,284,357
Income (loss) before provision for income taxes 112,612 (36,954) 413,512 456,535
Provision (benefit) for income taxes (28,675) (55,099) 19,950 94,602
Net income 141,287 18,145 393,562 361,933
Preferred stock dividend requirements 93,075 0 185,400 0
Accretion on preferred stock discount 9,000 0 9,000 0
Net income available to common shareholders $ 39,212 $ 18,145 $ 199,162 $ 361,933
EARNINGS PER COMMON SHARE        
Basic net income per common share (in dollars per share) $ 0.01 $ 0 $ 0.03 $ 0.06
Diluted net income per common share (in dollars per share) $ 0.01 $ 0 $ 0.03 $ 0.06
DIVIDENDS DECLARED PER COMMON SHARE (in dollars per share) $ 0 $ 0 $ 0 $ 0