Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,532,757	$ 2,867,493
Items not requiring (providing) cash:
Deferred income taxes	(124,379)	(66,960)
Depreciation	401,932	450,843
Provision for loan losses	750,000	150,000
Gain on sale of mortgage loans held for sale and investment securities	(843,862)	(899,088)
Gain (loss) on sale of foreclosed assets		(8,905)
Gain on sale of Small Business Administration Loans	(152,238)	(344,439)
Amortization of deferred income, premiums and discounts	281,861	397,669
Stock award plan expense	213,260	197,259
Origination of loans held for sale	(28,598,708)	(27,448,305)
Proceeds from sale of loans held for sale	29,256,415	27,788,422
Increase in cash surrender value of bank owned life insurance	(245,382)	(180,420)
Changes in:
Accrued interest receivable	106,091	(55,264)
Prepaid expenses and other assets	(51,540)	363,793
Accounts payable and accrued expenses	(54,158)	(29,498)
Income taxes receivable	459,404	30,292
Net cash provided by operating activities	3,931,453	3,212,892
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of loans receivable	(11,132,508)
Net change in loans	(17,629,540)	(18,025,610)
Principal payments on available-for-sale securities	3,909,170	4,960,336
Principal payments on held-to-maturity securities	9,241	9,652
Proceeds from calls/maturities of available-for-sale securities	535,000
Purchase of premises and equipment	(679,031)	(539,165)
Purchase of available-for-sale securities	(64,776,154)	(19,740,808)
Proceeds from sale of available-for-sale securities	54,920,025	17,244,115
Redemption (purchase) of Federal Home Loan Bank stock	(1,081,500)	319,400
Proceeds from sale of foreclosed assets held for sale	108,592	87,894
Net cash used in investing activities	(35,816,705)	(15,684,186)
CASH FLOWS FROM FINANCING ACTIVITIES
Cash dividends paid on common stock	(705,921)	(436,567)
Net increase in demand deposits, NOW accounts and savings accounts	781,901	39,790,239
Net decrease in certificates of deposit	(3,753,036)	(61,439)
Proceeds from Federal Home Loan Bank advances	116,350,000
Repayments of Federal Home Loan Bank and Federal Reserve advances	(90,050,000)	(8,250,000)
Net decrease of securities sold under agreements to repurchase		(10,000,000)
Advances from borrowers for taxes and insurance	200,869	241,198
Stock options exercised	85,800	111,304
Net cash provided by financing activities	22,909,613	21,394,735
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(8,975,639)	8,923,441
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	18,774,419	12,493,890
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 9,798,780	$ 21,417,331