CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2014		Dec. 31, 2013
ASSETS
Cash and due from banks	$ 17,260,586		$ 14,363,461
Interest-earning deposits	8,278,206		8,681,426
Federal funds sold	50,754,837		61,648,938
Total cash and cash equivalents	76,293,629		84,693,825
Interest-earning time deposits	1,773,035		1,766,493
Securities available for sale	109,301,326		117,776,982
Federal Home Loan Bank stock	2,887,763		2,887,763
Federal Reserve Bank stock	1,689,493
Loans, net of allowance for loan losses of $5,790,519 and $5,590,668 at September 30, 2014 and December 31, 2013, respectively	392,199,774		372,568,962
Loans held for sale	299,200
Property and equipment, net	10,444,009		9,873,198
Goodwill	11,385,323		11,385,323
Bank-owned life insurance	14,759,024		8,497,895
Core deposit intangible	210,505		271,000
Foreclosed assets	4,281,600		5,577,481
Mortgage servicing rights	944,390		918,247
Accrued interest receivable	1,907,235		1,551,258
Other assets	3,140,969		4,276,015
Total assets	631,517,275		622,044,442
Deposits:
Noninterest-bearing	55,507,117		55,263,604
Interest-bearing	470,939,453		447,276,088
Total deposits	526,446,570		502,539,692
Federal Home Loan Bank advances	8,985,810		13,980,005
Securities sold under agreements to repurchase	14,259,453		26,766,169
Subordinated debentures	4,000,000		4,000,000
Accrued interest payable	182,327		199,764
Other liabilities	1,451,539		1,463,182
Total liabilities	555,325,699		548,948,812
Stockholders' Equity
Preferred stock, $.10 par value, 10,000,000 shares authorized, no shares issued
Common stock, $.10 par value, 20,000,000 shares authorized, 7,007,283 shares issued and outstanding at September 30, 2014 and December 31, 2013	700,728		700,728
Additional paid-in capital	55,818,936		55,818,936
Retained earnings	19,822,132		18,268,454
Accumulated other comprehensive loss	(150,220)	[1]	(1,692,488)	[1]
Total stockholders' equity	76,191,576		73,095,630
Total liabilities and stockholders' equity	$ 631,517,275		$ 622,044,442

[1] All amounts are net of tax.