CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Assets:
Cash and due from banks	$ 6,603,741	$ 4,698,435
Interest bearing deposits in other banks	11,400,374	5,680,613
Investment securities available for sale	103,177,428	113,994,112
Mortgage loans to be sold	6,454,882	7,325,081
Loans	240,456,346	234,117,792
Less: Allowance for loan losses	(3,407,758)	(3,334,848)
Net loans	237,048,588	230,782,944
Premises and equipment, net	2,338,579	2,352,423
Other real estate owned	521,943	521,943
Accrued interest receivable	1,228,169	1,290,380
Other assets	867,454	579,871
Total assets	369,641,158	367,225,802
Deposits:
Non-interest-bearing demand	109,767,308	107,072,271
Interest-bearing demand	79,352,827	79,397,647
Money market accounts	54,481,146	47,450,210
Certificates of deposit over $250,000	33,779,786	32,363,615
Other time deposits	27,782,781	29,457,720
Other savings deposits	24,782,301	26,677,564
Total deposits	329,946,149	322,419,027
Short-term borrowings	481,110	6,980,681
Accrued interest payable and other liabilities	1,294,202	1,066,112
Total liabilities	$ 331,721,461	$ 330,465,820
Shareholders' equity
Common Stock - No par value; 12,000,000 shares authorized; Shares issued 4,688,464 At June 30, 2015 and 4,680,839 at December 31, 2014. Shares outstanding 4,469,013 at June 30, 2015 and 4,461,388 at December 31, 2014.
Additional paid in capital	$ 28,931,269	$ 28,779,108
Retained earnings	9,937,736	8,640,291
Treasury stock: 219,451 shares	(1,902,439)	(1,902,439)
Accumulated other comprehensive income, net of income taxes	953,131	1,243,022
Total shareholders' equity	37,919,697	36,759,982
Total liabilities and shareholders' equity	$ 369,641,158	$ 367,225,802