CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)
 12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Interest Income      
Loans, Including Fees $ 39,735,615 $ 41,350,195 $ 41,963,113
Federal Funds Sold 32,100 39,199 99,273
Deposits with Other Banks 41,639 26,704 42,903
Investment Securities      
U. S. Government Agencies 4,737,878 3,516,978 4,824,423
State, County and Municipal 99,736 123,972 206,483
Corporate Obligations 0 47,275 76,029
Dividends on Other Investments 115,134 81,398 77,203
Interest Income 44,762,102 45,185,721 47,289,427
Interest Expense      
Deposits 5,113,024 5,821,366 8,737,281
Federal Funds Purchased 19 116 0
Borrowed Money 1,685,744 1,675,164 2,279,469
Interest Expense 6,798,787 7,496,646 11,016,750
Net Interest Income 37,963,315 37,689,075 36,272,677
Provision for Loan Losses 1,308,000 4,485,000 6,784,767
Net Interest Income After Provision for Loan Losses 36,655,315 33,204,075 29,487,910
Noninterest Income      
Service Charges on Deposits 4,567,716 4,690,599 3,572,897
Other Service Charges, Commissions and Fees 2,468,881 1,725,271 1,514,898
Mortgage Fee Income 419,963 484,396 400,009
Securities Gains (Losses) 23,735 (363,804) 2,837,464
Gain on Sale of SBA Loans 0 635,190 305,924
Other 1,644,294 1,205,631 1,102,077
Noninterest Income 9,124,589 8,377,283 9,733,269
Noninterest Expenses      
Salaries and Employee Benefits 17,507,926 16,691,972 15,564,893
Occupancy and Equipment 4,062,844 3,794,524 3,878,268
Directors' Fees 392,132 416,972 465,220
Legal and Professional Fees 785,683 721,322 1,085,881
Foreclosed Property 2,701,436 3,918,128 5,613,316
FDIC Assessment 965,898 1,321,981 1,497,974
Advertising 652,374 508,292 422,718
Software 925,489 852,475 789,226
Telephone 735,735 778,151 744,930
ATM/Card Processing 865,519 641,228 511,186
Other 5,384,956 4,972,404 4,805,418
Noninterest Expense 34,979,992 34,617,449 35,379,030
Income Before Income Taxes 10,799,912 6,963,909 3,842,149
Income Taxes 3,268,287 2,334,864 1,200,851
Net Income 7,531,625 4,629,045 2,641,298
Preferred Stock Dividends 2,688,604 1,508,761 1,435,385
Net Income Available to Common Stockholders $ 4,843,021 $ 3,120,284 $ 1,205,913
Net Income Per Share of Common Stock, Basic and Diluted (in dollars per share) $ 0.57 $ 0.37 $ 0.14
Cash Dividends Declared Per Share of Common Stock (in dollars per share) $ 0 $ 0 $ 0
Weighted Average Shares Outstanding, Basic and Diluted (in shares) 8,439,258 8,439,258 8,439,258