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Consolidated Statements of Cash Flows (Unaudited) (USD $)
 3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Cash flows from operating activities:    
Net income $ 1,450,735 $ 953,617
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 1,700,000 1,750,002
Depreciation expense 502,481 484,514
Net amortization (accretion) of debt securities, premiums, and discounts 246,612 232,963
Amortization of intangible assets 104,025 118,026
Stock based compensation expense 10,755 21,800
Change in fair value of mortgage servicing rights 485,268  
(Gain) loss on sales and dispositions of premises and equipment (44,352) 667
(Gain) loss on sales and dispositions of other real estate owned and repossessions (8,162) 33,441
Provision for other real estate owned 253,725 160,665
Decrease in accrued interest receivable 365,860 85,491
Increase in cash surrender value -life insurance (20,186) (21,123)
Decrease (increase) in other assets 965,804 (105,155)
Increase in accrued interest payable 142,592 113,106
Increase in other liabilities 362,638 629,040
Origination of mortgage loans for sale (22,375,789) (12,000,717)
Proceeds from the sale of mortgage loans 21,814,837 12,048,588
Gain on sale of mortgage loans, net (518,644) (246,234)
Decrease in net deferred tax asset 16,673 7,666
Other, net (155,660) 11,991
Net cash provided by operating activities 5,299,212 4,278,348
Cash flows from investing activities:    
Net (increase) decrease in loans (2,396,052) 16,102,329
Purchase of available-for-sale debt securities (41,291,389) (58,387,175)
Proceeds from maturities of available-for-sale debt securities 12,053,151 12,429,161
Proceeds from calls of available-for-sale debt securities 13,515,000 7,278,000
Proceeds from sales of FHLB stock 52,900 674,800
Purchases of premises and equipment (551,630) (491,273)
Proceeds from sales of premises and equipment 44,650 27,769
Proceeds from sales of other real estate owned and repossessions 1,195,226 2,563,742
Net cash used by investing activities (17,378,144) (19,802,647)
Cash flows from financing activities:    
Net increase in demand deposits 7,288,808 4,445,210
Net increase in interest-bearing transaction accounts 31,652,267 22,189,135
Net decrease in time deposits (4,060,573) (7,271,281)
Net decrease in federal funds purchased and securities sold under agreements to repurchase (1,768,358) (1,022,932)
Repayment of Federal Home Loan Bank advances (64,632) (15,164,496)
Cash dividends paid--preferred stock (378,187) (378,188)
Cash dividends paid--common stock (232,650) (223,702)
Net cash provided by financing activities 32,436,675 2,573,746
Net increase (decrease) in cash and cash equivalents 20,357,743 (12,950,553)
Cash and cash equivalents, beginning of year 43,209,530 50,979,800
Cash and cash equivalents, end of year 63,567,273 38,029,247
Cash paid during the year for:    
Interest 2,057,284 2,989,034
Income taxes 790,000  
Supplemental schedule of noncash investing and financing activities:    
Other real estate and repossessions acquired in settlement of loans $ 5,597,676 $ 4,174,551