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Consolidated Statements of Operations (Unaudited) (USD $)
 3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Interest and Dividend Income    
Interest and fees on loans $ 5,195,892 $ 6,665,792
Interest on investment securities 247,736 477,030
Dividends on investment securities 28,858 33,281
Other interest income 28,360 10,478
Total interest and dividend income 5,500,846 7,186,581
Interest Expense    
Interest on deposits 1,128,714 1,516,844
Interest on Federal Home Loan Bank borrowings 351,020 356,837
Interest on subordinated debt 70,629 76,567
Interest on other borrowings 76,081 76,926
Total interest expense 1,626,444 2,027,174
Net interest income 3,874,402 5,159,407
Provision for Loan Losses (29,786) (845,402)
Net interest income after provision for loan losses 3,904,188 6,004,809
Non-interest Income    
Mortgage banking activity 46,234 12,420
Loan application, inspection & processing fees 38,030 14,727
Fees and service charges 171,511 228,668
Gain on sale of loans   263,646
Loss on sale of investment securities   (8,042)
Earnings on cash surrender value of life insurance 127,109 142,669
Other income 104,597 95,909
Total non-interest income 487,481 749,997
Non-interest Expense    
Salaries and benefits 3,005,314 2,890,724
Occupancy and equipment expense 1,038,808 1,123,584
Data processing 371,446 346,021
Advertising and promotional expense 42,481 17,729
Professional and other outside services 888,590 615,082
Loan administration and processing expense 77,486 8,280
Regulatory assessments 373,502 410,001
Insurance expense 78,758 169,245
Other real estate operations 1,846 (150,247)
Material and communications 106,079 131,178
Restructuring charges and asset disposals (Note 12)    368,477
Other operating expense 385,406 279,202
Total non-interest expense 6,369,716 6,209,276
(Loss) income before income taxes (1,978,047) 545,530
Benefit for Income Taxes (21,080)  
Net (loss) income $ (1,956,967) $ 545,530
Basic and diluted (loss) income per share (Note 7) $ (0.05) $ 0.01