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Consolidated Statements of Income (Unaudited) (USD $)
 3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
INTEREST INCOME    
Interest and fees on loans $ 11,242,208 $ 12,087,642
Interest on debt securities:    
Taxable 1,116,429 1,154,896
Nontaxable 234,644 275,808
Interest on federal funds sold and securities purchased under agreements to resell 15 37
Interest on interest-bearing deposits 21,273 20,593
Dividends on other securities 31,376 43,700
Total interest income 12,645,945 13,582,676
Interest on deposits:    
Savings, interest checking and money market 325,434 483,691
Time deposit accounts $100,000 and over 228,666 463,172
Other time deposit accounts 784,005 1,422,802
Interest on federal funds purchased and securities sold under agreements to repurchase 4,689 13,355
Interest on subordinated notes 354,011 319,951
Interest on Federal Home Loan Bank advances 134,379 399,169
Total interest expense 1,831,184 3,102,140
Net interest income 10,814,761 10,480,536
Provision for loan losses 1,700,000 1,750,002
Net interest income after provision for loan losses 9,114,761 8,730,534
NON-INTEREST INCOME    
Service charges on deposit accounts 1,248,017 1,310,491
Trust department income 211,831 195,095
Gain on sale of mortgage loans, net 518,644 246,234
Other (8,196) 300,260
Total non-interest income 1,970,296 2,052,080
NON-INTEREST EXPENSE    
Salaries and employee benefits 4,806,248 4,677,073
Occupancy expense, net 646,641 638,364
Furniture and equipment expense 503,123 506,679
FDIC insurance assessment 243,851 478,747
Legal, examination, and professional fees 336,722 490,504
Advertising and promotion 243,827 232,175
Postage, printing, and supplies 263,990 268,707
Processing expense 767,756 822,077
Other real estate expense 580,943 492,433
Other 1,087,069 770,965
Total non-interest expense 9,480,170 9,377,724
Income before income taxes 1,604,887 1,404,890
Income tax (benefit) expense 154,152 451,273
Net income 1,450,735 953,617
Preferred stock dividends 369,783 369,783
Accretion of discount on preferred stock 119,119 119,119
Net income available to common shareholders $ 961,833 $ 464,715
Basic earnings per share $ 0.21 $ 0.10
Diluted earnings per share $ 0.21 $ 0.10