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Consolidated Statements of Cash Flows (Unaudited) (USD $)
 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Cash flows from operating activities:    
Net income $ 2,190,766 $ 2,362,111
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 3,200,000 3,633,336
Depreciation expense 1,002,347 963,122
Net amortization of debt securities, premiums, and discounts 548,876 406,130
Amortization of intangible assets 206,036 226,713
Stock based compensation expense 19,906 33,877
Change in fair value of mortgage servicing rights 711,978   
(Gain) loss on sales and dispositions of premises and equipment (60,116) 667
(Gain) loss on sales and dispositions of other real estate owned and repossessions (75,093) 258,885
Provision for other real estate owned 739,412 440,805
Decrease in accrued interest receivable 60,257 61,345
Increase in cash surrender value -life insurance (33,372) (34,232)
Decrease in other assets 267,680 277,522
(Increase) decrease in income tax receivable (687,408) 1,112,475
Increase in accrued interest payable 372,864 199,491
Increase in other liabilities 823,104 777,683
Origination of mortgage loans for sale (38,363,488) (23,115,786)
Proceeds from the sale of mortgage loans 40,437,045 22,336,960
Gain on sale of mortgage loans, net (993,961) (462,230)
Decrease in net deferred tax asset 33,346 15,332
Other, net 52,157 23,982
Net cash provided by operating activities 10,452,336 9,518,188
Cash flows from investing activities:    
Net (increase) decrease in loans (13,260,765) 20,636,247
Purchase of available-for-sale debt securities (63,135,227) (83,043,472)
Proceeds from maturities of available-for-sale debt securities 21,927,370 19,097,740
Proceeds from calls of available-for-sale debt securities 26,285,000 25,508,000
Proceeds from sales of FHLB stock 97,000 1,077,100
Purchases of premises and equipment (843,180) (1,487,479)
Proceeds from sales of premises and equipment 247,464 34,249
Proceeds from sales of other real estate owned and repossessions 3,083,905 3,421,481
Net cash used by investing activities (25,598,433) (14,756,134)
Cash flows from financing activities:    
Net increase in demand deposits 9,937,935 10,390,244
Net increase in interest-bearing transaction accounts 17,930,916 6,971,783
Net decrease in time deposits (1,514,399) (1,952,085)
Net decrease in federal funds purchased and securities sold under agreements to repurchase (672,767) (1,378,786)
Repayment of Federal Home Loan Bank advances (129,264) (23,329,310)
Redemption of 12,000 shares of preferred stock (12,000,000)  
Cash dividends paid - preferred stock (746,375) (756,376)
Cash dividends paid - common stock (465,299) (447,404)
Net cash provided (used) by financing activities 12,340,747 (10,501,934)
Net decrease in cash and cash equivalents (2,805,350) (15,739,880)
Cash and cash equivalents, beginning of year 43,209,530 50,979,800
Cash and cash equivalents, end of year 40,404,180 35,239,920
Cash paid during the year for:    
Interest 3,951,832 5,760,750
Income taxes 1,260,000  
Supplemental schedule of noncash investing and financing activities:    
Other real estate and repossessions acquired in settlement of loans $ 9,311,094 $ 5,943,302