CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income	$ 4,884,288	$ 4,398,820	$ 4,076,924
Adjustments to reconcile net income to net cash provided (used) by operating activities:
Depreciation	196,827	200,178	192,844
Gain on sale of securities	(423,832)	(312,577)
Gain on sale of other real estate		(2,382)
Provision for loan losses	192,500	82,500	207,500
Stock-based compensation expense	78,987	74,908	74,722
Deferred income taxes	4,748	134,478	59,829
Net amortization of unearned discounts on investment securities	109,311	303,036	516,746
Origination of mortgage loans held for sale	(91,053,923)	(71,767,800)	(81,762,793)
Proceeds from sale of mortgage loans held for sale	92,558,765	69,182,061	95,503,328
(Increase) decrease in accrued interest receivable and other assets	391,043	(274,201)	(36,138)
Increase (decrease) in accrued interest payable and other liabilities	176,898	153,882	(74,111)
Net cash provided by operating activities	7,115,612	2,172,903	18,758,851
Cash flows from investing activities:
Proceeds from calls and maturities of investment securities available for sale	2,315,000	1,920,000	2,325,000
Proceeds from sale of available for sale securities	16,564,118	37,159,363
Purchase of investment securities available for sale	(25,389,485)	(57,959,964)	(40,950,656)
Proceeds from sale of other real estate owned		37,855
Net increase in loans	(8,712,885)	(16,394,833)	(1,539,747)
Purchase of premises, equipment and leasehold improvements, net	(133,632)	(97,740)	(160,913)
Net cash used by investing activities	(15,356,884)	(35,335,319)	(40,326,316)
Cash flows from financing activities:
Net increase in deposit accounts	36,299,585	17,176,372	14,168,812
Net (decrease) increase in short-term borrowings	(6,980,681)	6,980,681
Dividends paid	(2,380,062)	(2,765,735)	(1,647,576)
Stock options exercised	122,946	26,050	128,477
Cash paid for fractional shares	(4,778)
Net cash provided by financing activities	27,057,010	21,417,368	12,649,713
Net increase (decrease) in cash and cash equivalents	18,815,738	(11,745,048)	(8,917,752)
Cash and cash equivalents at beginning of period	10,379,048	22,124,096	31,041,848
Cash and cash equivalents at end of period	29,194,786	10,379,048	22,124,096
Cash paid during the year for:
Interest	419,004	429,758	410,598
Income taxes	2,196,000	1,819,000	1,892,000
Supplemental disclosure for non-cash investing and financing activity:
Change in unrealized gain (loss) on securities available for sale, net of income taxes	(250,473)	287,122	(1,244,191)
Change in dividends payable	59,178	325	$ 579,655
Change in other real estate owned	$ 186,210	$ 521,943