Statements of Operations - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 5,565,000	$ 5,781,000
Federal funds sold		1,000
Interest-earning deposits with banks	$ 21,000	26,000
Investments	464,000	426,000
Dividends on equity securities (restricted)	32,000	32,000
Total Interest and Dividend Income	6,082,000	6,266,000
Deposits
Demand	11,000	9,000
Savings	41,000	41,000
Time deposits below $100,000	265,000	387,000
Time deposits above $100,000	154,000	271,000
FHLB advances	36,000	40,000
Federal funds purchased	2,000	0
Trust Preferred Securities	122,000	108,000
Total Interest Expense	631,000	856,000
NET INTEREST INCOME	$ 5,451,000	$ 5,410,000
PROVISION FOR LOAN LOSSES
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	$ 5,451,000	$ 5,410,000
NONINTEREST INCOME
Service charges	488,000	536,000
Fees, commission and other income	805,000	714,000
Insurance and investment fees	158,000	124,000
Net realized gains on sale of investment securities	105,000	35,000
Life insurance investment income	30,000	35,000
Total Noninterest Income	1,586,000	1,444,000
NONINTEREST EXPENSES
Salaries and employee benefits	3,210,000	2,942,000
Occupancy and equipment expenses	853,000	942,000
Advertising and public relations	104,000	57,000
Data processing and telecommunications	581,000	499,000
FDIC insurance premiums	134,000	218,000
Other real estate owned and repossessed assets, net	163,000	359,000
Other operating expenses	1,292,000	1,212,000
Total Noninterest Expenses	6,337,000	6,229,000
INCOME BEFORE INCOME TAXES	700,000	625,000
INCOME TAX EXPENSE	2,000	3,000
NET INCOME	$ 698,000	$ 622,000
Income Per Share
Basic	$ 0.03	$ 0.03
Fully Diluted	$ 0.03	$ 0.03
Average Weighted Shares of Common Stock
Basic	23,354,082	22,878,654
Fully Diluted	23,354,082	22,878,654