CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Assets:
Cash and due from banks	$ 7,521,864	$ 5,137,888
Interest bearing deposits in other banks	24,352,678	25,903,960
Investment securities available for sale	70,790,175	58,514,216
Mortgage loans to be sold	5,859,979	18,479,878
Loans	224,611,082	217,128,624
Less: Allowance for loan losses	(3,386,647)	(3,432,844)
Net loans	221,224,435	213,695,780
Premises and equipment, net	2,454,438	2,486,792
Accrued interest receivable	1,108,029	1,124,613
Other assets	878,272	67,519
Total assets	334,189,870	325,410,646
Deposits:
Non-interest bearing demand	84,183,274	83,447,675
Interest bearing demand	80,272,644	77,441,588
Money market accounts	52,805,022	54,450,828
Certificates of deposit $100,000 and over	46,304,844	40,903,886
Other time deposits	15,514,359	15,909,164
Other savings deposits	19,420,454	18,920,702
Total deposits	298,500,597	291,073,843
Accrued interest payable and other liabilities	1,256,538	406,361
Total liabilities	299,757,135	291,480,204
Shareholders' equity
Common Stock - No par value; 12,000,000 shares authorized; Shares issued 4,675,479 at September 30, 2013 and 4,665,690 at December 31, 2012; Shares outstanding 4,456,028 at September 30, 2013 and 4,446,239 shares at December 31, 2012
Additional paid in capital	28,619,086	28,474,951
Retained earnings	6,617,319	5,157,839
Treasury stock	(1,902,439)	(1,902,439)
Accumulated other comprehensive income, net of income taxes	1,098,769	2,200,091
Total shareholders' equity	34,432,735	33,930,442
Total liabilities and shareholders' equity	$ 334,189,870	$ 325,410,646