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Consolidated Statements of Operations (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Interest and Dividend Income      
Interest and fees on loans $ 23,482,365 $ 25,957,563 $ 33,615,884
Interest on investment securities 1,507,614 1,990,248 1,522,873
Dividends on investment securities 128,297 240,025 267,790
Interest on federal funds sold   6,875 17,036
Other interest income 98,241 137,598 185,308
Total interest and dividend income 25,216,517 28,332,309 35,608,891
Interest Expense      
Interest on deposits 5,351,477 6,283,578 11,178,793
Interest on Federal Home Loan Bank borrowings 1,458,894 1,632,378 1,698,771
Interest on subordinated debt 299,683 285,936 288,428
Interest on other borrowings 309,398 308,551 308,551
Total interest expense 7,419,452 8,510,443 13,474,543
Net interest income 17,797,065 19,821,866 22,134,348
Provision for Loan Losses (Note 4) (2,379,223) 7,464,427 7,714,000
Net interest income after provision for loan losses 20,176,288 12,357,439 14,420,348
Non-interest Income      
Mortgage banking activity 163,804 58,440 90,889
Loan application, inspection and processing fees 101,339 78,613 155,494
Fees and service charges 856,604 964,796 1,174,361
Gain on sale of loans 336,274 79,729  
Net gain on sale of investment securities 910,591 1,109,305  
Earnings on cash surrender value of life insurance 517,099 636,272 546,910
Other income 387,785 484,322 386,586
Total non-interest income 3,273,496 3,411,477 2,354,240
Non-interest Expense      
Salaries and benefits (Notes 9, 13 and 15) 10,593,018 12,395,120 13,195,673
Occupancy and equipment expense 4,419,260 4,931,152 5,555,240
Data processing expense 1,468,551 1,286,170 1,456,873
Advertising and promotional expense 86,338 573,495 312,621
Professional and other outside services 2,601,133 3,406,640 3,067,221
Loan administration and processing expense 137,192 271,025 303,562
Regulatory assessments 1,724,224 1,992,865 2,957,010
Insurance expense 471,057 869,479 936,035
Other real estate operations (Note 6) (58,044) 877,969 2,286,948
Material and communications 503,513 684,778 804,623
Restructuring charges and asset disposals (Note 21) 939,492 2,986,441  
Other operating expense 1,100,214 953,268 1,072,727
Total non-interest expense 23,985,948 31,228,402 31,948,533
Loss before income taxes (536,164) (15,459,486) (15,173,945)
Provision for Income Taxes (Note 10)      (225,000)
Net loss $ (536,164) $ (15,459,486) $ (15,398,945)
Loss per share (Note 14) $ (0.01) $ (0.40) $ (1.30)
Dividends per share