The major components of loans in the balance sheets at September 30, 2013 and December 31, 2012 are below.


	2013			2012

Commercial	$	67,225,422		$	75,914,072
Real estate:
Construction and land development		4,941,654			4,873,512
Residential, 1-4 families		38,040,049			36,091,051
Residential, 5 or more families		1,561,060			1,676,449
Farmland		2,227,847			2,284,155
Nonfarm, nonresidential, net of discounts of $136,784 in 2013 and $22,001 in 2012		61,366,016			48,993,867
Agricultural		109,993			147,860
Consumer, net of discounts of $10,797 in 2013 and $17,764 in 2012		6,071,806			6,703,363
Other		1,789			3,000


		181,545,636			176,687,329

Deferred loan origination costs, net of (fees)		273,340			293,334

		181,818,976			176,980,663
Allowance for loan losses		(3,299,860	)		(3,403,098	)

	$	178,519,116		$	173,577,565