Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 4,074,664	$ 4,286,128
Items not requiring (providing) cash:
Deferred income taxes	(88,504)	(17,622)
Depreciation	615,224	678,648
Provision for loan losses	950,000	350,000
Gain on sale of mortgage loans held for sale and investment securities	(1,416,443)	(1,368,477)
Loss (gain) on sale of foreclosed assets	2,798	(8,905)
Gain on sale of Small Business Administration Loans	(237,862)	(344,817)
Amortization of deferred income, premiums and discounts	469,088	558,319
Stock award plan expense	293,998	239,548
Origination of loans held for sale	(47,274,120)	(41,881,391)
Proceeds from sale of loans held for sale	47,873,689	43,989,808
Increase in cash surrender value of bank owned life insurance	(369,695)	(271,963)
Changes in:
Accrued interest receivable	177,712	359,635
Prepaid expenses and other assets	307,528	704,580
Accounts payable and accrued expenses	707,875	158,457
Income taxes receivable	703,175	(3,664)
Net cash provided by operating activities	6,789,127	7,428,284
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of loans receivable	(11,132,508)
Net change in loans	(24,782,137)	(16,136,499)
Principal payments on available-for-sale securities	6,385,019	8,185,628
Principal payments on held-to-maturity securities	12,736	13,882
Proceeds from calls/maturities of available-for-sale securities	535,000
Purchase of premises and equipment	(939,191)	(717,854)
Purchase of available-for-sale securities	(71,652,913)	(38,568,960)
Proceeds from sale of available-for-sale securities	67,177,538	24,636,698
Redemption (purchase) of Federal Home Loan Bank stock	(929,500)	143,400
Proceeds from sale of foreclosed assets held for sale	463,863	608,920
Net cash used in investing activities	(34,862,093)	(21,834,785)
CASH FLOWS FROM FINANCING ACTIVITIES
Cash dividends paid on common stock	(1,060,619)	(654,253)
Net increase in demand deposits, NOW accounts and savings accounts	5,344,326	29,545,375
Net decrease in certificates of deposit	(6,965,873)	(4,201,038)
Proceeds from Federal Home Loan Bank advances	173,400,000
Repayments of Federal Home Loan Bank and Federal Reserve advances	(150,900,000)	(3,850,000)
Net decrease of securities sold under agreements to repurchase		(10,000,000)
Advances from borrowers for taxes and insurance	343,618	346,117
Stock options exercised	85,800	144,874
Net cash provided by financing activities	20,247,252	11,331,075
DECREASE IN CASH AND CASH EQUIVALENTS	(7,825,714)	(3,075,426)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	18,774,419	12,493,890
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 10,948,705	$ 9,418,464