CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Assets:
Cash and due from banks	$ 7,712,457	$ 6,043,375
Interest bearing deposits in other banks	3,536,901	16,080,721
Investment securities available for sale	90,229,332	94,648,221
Mortgage loans to be sold	6,809,498	4,739,343
Loans	227,240,465	218,320,304
Less: Allowance for loan losses	(3,323,565)	(3,292,277)
Net loans	223,916,900	215,028,027
Premises and equipment, net	2,422,472	2,454,861
Accrued interest receivable	1,044,748	1,182,272
Other assets	945,813	716,883
Total assets	336,618,121	340,893,703
Deposits:
Non-interest bearing demand	85,613,981	90,574,330
Interest bearing demand	75,233,813	78,576,851
Money market accounts	50,885,257	47,190,365
Certificates of deposit $100,000 and over	50,291,095	52,516,487
Other time deposits	15,485,341	15,730,187
Other savings deposits	22,368,706	20,654,435
Total deposits	299,878,193	305,242,655
Accrued interest payable and other liabilities	1,461,402	911,905
Total liabilities	301,339,595	306,154,560
Shareholders' equity
Common Stock - No par value; 12,000,000 shares authorized; Shares issued 4,680,839 at March 31, 2014 and 4,678,339 at December 31, 2013; Shares outstanding 4,461,388 at March 31, 2014 and 4,458,888 shares at December 31, 2013
Additional paid in capital	28,722,590	28,678,150
Retained earnings	7,383,350	7,007,532
Treasury stock: 219,451 shares at March 31, 2014 and December 31, 2013	(1,902,439)	(1,902,439)
Accumulated other comprehensive income, net of income taxes	1,075,025	955,900
Total shareholders' equity	35,278,526	34,739,143
Total liabilities and shareholders' equity	$ 336,618,121	$ 340,893,703