CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 1,622,660	$ 1,464,767
Depreciation, amortization and accretion:
Premises and equipment	192,926	194,456
Amortization of investment premiums and discounts, net	360,551	329,580
Accretion of loan discounts	(259)	(259)
Net realized gains on sales of available-for-sale securities	(212,076)	(161,582)
Provision for loan losses	65,000	60,000
Mortgage banking operations, net	(95,528)	(62,246)
(Gain) loss on sale of real estate owned	(7,607)	5,569
Shares held by ESOP committed to be released	26,415	23,125
Tax benefit related to stock options exercised	4,138	3,860
Stock option compensation expense	44,711	44,711
Changes in income taxes payable	(299,055)	(82,389)
Changes in assets and liabilities	(5,999)	1,207,100
Net cash provided by operations before loan sales	1,695,877	3,026,692
Origination of loans for sale to secondary market	(8,652,121)	(6,074,896)
Proceeds from sales of loans to secondary market	8,754,154	5,933,423
Net cash provided by operating activities	1,797,910	2,885,219
CASH FLOWS FROM INVESTING ACTIVITIES:
Net change in interest-earning time deposits	(1,974,000)
Purchases of investment and mortgage-backed securities	(17,594,920)	(12,590,753)
Maturity or call of investment securities available-for-sale	1,000,000
Sale of investment securities available-for-sale	19,675,553	13,337,041
Principal payments on mortgage-backed and investment securities	3,173,649	3,181,765
Proceeds from sale of real estate owned	47,085	78,930
Net change in loans	(377,948)	6,683,166
Additions to premises and equipment	(59,099)	(74,940)
Net cash provided by investing activities	3,890,320	10,615,209
CASH FLOWS FROM FINANCING ACTIVITIES:
Net change in deposits	(7,417,691)	347,666
Net change in other borrowings	727,058	(14,302,568)
Increase in advance payments by borrowers for taxes and insurance	66,257	161,866
Exercise of stock options	261,364	149,252
Stock repurchases	(624,038)	(370,732)
Dividends paid - common stock	(282,803)	(285,987)
Net cash used in financing activities	(7,269,853)	(14,300,503)
NET DECREASE IN CASH AND CASH EQUIVALENTS	(1,581,623)	(800,075)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	9,611,638	6,098,870
CASH AND CASH EQUIVALENTS, END OF PERIOD	8,030,015	5,298,795
Cash paid during the year for:
Interest on deposits	619,983	784,386
Interest on other borrowings	10,179	6,179
Income taxes paid	916,000	$ 572,000
NONCASH INVESTING AND FINANCING ACTIVITIES:
Real estate acquired in settlement of loans	$ 180,325
Loans to facilitate sales of real estate owned		$ 90,000