CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,322,058	$ 2,320,782
Depreciation, amortization and accretion:
Premises and equipment	289,342	288,269
Amortization of investment premiums and discounts, net	536,566	554,335
Accretion of loan discounts	(388)	(388)
Net realized gains on sales of available-for-sale securities	(267,201)	(299,835)
Provision for loan losses	110,000	90,000
Mortgage banking operations, net	(133,594)	(107,787)
Loss (gain) on sale of real estate owned	(37,389)	5,220
Shares held by ESOP commited to be released	40,121	35,494
Tax benefit related to stock options exercised	4,138	3,513
Stock option compensation expense	67,437	67,437
Changes in income taxes payable	(283,022)	179,017
Changes in assets and liabilities	(1,075,343)	721,006
Net cash provided by operations before loan sales	1,572,725	3,857,063
Origination of loans for sale to secondary market	(13,216,125)	(10,052,228)
Proceeds from sales of loans to secondary market	12,789,270	10,067,718
Net cash provided by operating activities	1,145,870	3,872,553
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment and mortgage-backed securities	(24,167,069)	(22,621,089)
Purchases of time deposits in other banks	(2,474,000)
Maturity or call of investment securities available-for-sale	1,500,000	725,000
Sale of investment securities available-for-sale	26,502,890	22,940,767
Principal payments on mortgage-backed and investment securities	4,705,159	4,909,215
Proceeds from sale of real estate owned	191,992	109,715
Net increase in loans	(5,236,894)	(1,535,324)
Additions to premises and equipment	(129,805)	(95,588)
Net cash provided by investing activities	892,273	4,432,696
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in deposits	(12,598,274)	(10,950,025)
Net increase in other borrowings	5,835,199	1,873,499
Increase in advance payments by borrowers for taxes and insurance	(453,034)	(366,270)
Exercise of stock options	261,364	230,978
Stock repurchases	(624,038)	(610,848)
Dividends paid - common stock	(424,034)	(429,185)
Net cash used in financing activities	(8,002,817)	(10,251,851)
NET DECREASE IN CASH AND CASH EQUIVALENTS	(5,964,674)	(1,946,602)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	9,611,638	6,098,870
CASH AND CASH EQUIVALENTS, END OF PERIOD	3,646,964	4,152,268
Cash paid during the year for:
Interest on deposits	895,278	1,143,068
Interest on other borrowings	17,499	8,536
Income taxes paid	1,131,000	572,000
NONCASH INVESTING AND FINANCING ACTIVITIES:
Real estate acquired in settlement of loans	$ 340,325	252,465
Loans to facilitate sales of real estate owned		$ 145,000