CONSOLIDATED BALANCE SHEETS - USD ($)		Sep. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks		$ 13,046,272	$ 9,047,872
Interest-earning deposits		14,867,959	18,238,145
Federal funds sold		16,311,656	21,780,445
Total cash and cash equivalents		44,225,887	49,066,462
Interest-earning time deposits		3,475,148	2,021,970
Securities available for sale		104,839,652	104,225,692
Federal Home Loan Bank stock		1,747,763	2,887,763
Federal Reserve Bank stock		1,676,700	1,676,700
Loans, net of allowance for loan losses of $5,910,655 and $5,561,442 at September 30, 2015 and December 31, 2014, respectively		411,811,094	400,904,404
Loans held for sale		697,625	100,000
Property and equipment, net		10,003,354	10,380,310
Goodwill		11,385,323	11,385,323
Bank-owned life insurance		15,222,356	14,876,960
Core deposit intangible		152,505	196,000
Foreclosed assets		3,121,564	3,887,587
Mortgage servicing rights		1,029,850	961,823
Accrued interest receivable		1,901,154	1,762,310
Other assets		2,979,207	3,281,496
Total assets		614,269,182	607,614,800
Deposits:
Noninterest-bearing		60,481,367	68,170,743
Interest-bearing		438,762,367	442,135,896
Total deposits		499,243,734	510,306,639
Federal Home Loan Bank advances		17,493,550	2,487,745
Securities sold under agreements to repurchase		12,040,148	11,848,266
Subordinated debentures		4,000,000	4,000,000
Accrued interest payable		206,941	174,480
Other liabilities		1,521,883	1,667,777
Total liabilities		$ 534,506,256	$ 530,484,907
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, 7,005,883 and 7,007,283 shares issued and outstanding at September 30, 2015 and December 31, 2014		$ 700,588	$ 700,728
Additional paid-in capital		55,806,256	55,818,936
Retained earnings		22,699,535	20,412,898
Accumulated other comprehensive income	[1]	556,547	197,331
Total stockholders' equity		79,762,926	77,129,893
Total liabilities and stockholders' equity		$ 614,269,182	$ 607,614,800

[1] All amounts are net of tax.