CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,350,650	$ 2,322,058
Depreciation, amortization and accretion:
Premises and equipment	289,799	289,342
Amortization of investment premiums and discounts, net	459,436	536,566
Accretion of loan discounts	(388)	(388)
Net realized gains on sales of available-for-sale securities	(291,810)	(267,201)
Provision for loan losses	90,000	110,000
Mortgage banking operations, net	(172,521)	(133,594)
Gain on sale of real estate owned	(59,609)	(37,389)
Shares held by ESOP commited to be released	48,311	40,121
Tax benefit related to stock options exercised	3,696	4,138
Stock option compensation expense	67,436	67,437
Changes in income taxes payable	(31,703)	(283,022)
Changes in assets and liabilities	(2,470,488)	(1,075,343)
Net cash provided by operations before loan sales	282,809	1,572,725
Origination of loans for sale to secondary market	(13,813,453)	(13,216,125)
Proceeds from sales of loans to secondary market	14,217,170	12,789,270
Net cash provided by operating activities	686,526	1,145,870
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment and mortgage-backed securities	(45,971,968)	(24,167,069)
Net change in interest-earning time deposits	238,000	(2,474,000)
Maturity or call of investment securities available-for-sale	5,405,000	1,500,000
Sale of investment securities available-for-sale	31,634,357	26,502,890
Sale of Federal Home Loan Bank stock	750,000
Principal payments on mortgage-backed and investment securities	4,095,378	4,705,159
Proceeds from sale of real estate owned	149,202	191,992
Net change in loans receivable	7,608,721	(5,236,894)
Additions to premises and equipment	(100,887)	(129,805)
Net cash provided by investing activities	3,807,803	892,273
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase (decrease) in deposits	29,440,321	(12,598,274)
Increase (decrease) in other borrowings	(8,372,013)	5,835,199
Increase in advance payments by borrowers for taxes and insurance	(363,678)	(453,034)
Exercise of stock options	181,474	261,364
Stock repurchases	(127,118)	(624,038)
Dividends paid - common stock	(507,662)	(424,034)
Net cash provided by (used in) financing activities	20,251,324	(8,002,817)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	24,745,653	(5,964,674)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	4,103,432	9,611,638
CASH AND CASH EQUIVALENTS, END OF PERIOD	28,849,085	3,646,964
Cash paid during the year for:
Interest on deposits	770,337	895,278
Interest on other borrowings	16,913	17,499
Income taxes paid	1,030,000	1,131,000
NONCASH INVESTING AND FINANCING ACTIVITIES:
Real estate acquired in settlement of loans	114,400	$ 340,325
Loans to facilitate sales of real estate owned	$ 127,900