Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Dec. 31, 2012
ASSETS
Cash and due from banks	$ 7,389,536	$ 8,646,515
Interest-bearing deposits in other banks	25,102,695	27,934,537
Cash and cash equivalents	32,492,231	36,581,052
Certificates of deposit in other banks	4,165,000	3,920,000
Investment securities available for sale, at fair value	33,212,113	21,672,040
Investment securities held to maturity (fair value approximates $60,948,893 and $62,084,319)	60,390,845	59,863,489
Federal Home Loan Bank stock, at cost	1,721,000	1,447,500
Total investment securities	95,323,958	82,983,029
Loans	221,521,649	204,167,116
Less: Unearned income	(29,821)	(30,100)
Allowance for loan losses	(3,099,203)	(2,844,903)
Loans, net	218,392,625	201,292,113
Premises and equipment, net	10,117,116	10,149,290
Foreclosed assets, net	581,287	1,689,861
Intangible assets	165,263	327,038
Bank owned life insurance	4,935,135	4,766,513
Other assets	5,820,447	5,472,526
Total assets	371,993,062	347,181,422
Deposits:
NOW accounts	21,498,527	28,881,314
Money Market	83,865,349	77,132,984
Savings	29,290,784	25,988,297
Certificates of deposit $100,000 and over	41,578,305	36,590,450
Other time accounts	50,586,467	55,097,669
Total interest-bearing deposits	226,819,432	223,690,714
Noninterest-bearing deposits	81,837,901	68,071,346
Total deposits	308,657,333	291,762,060
Short-term borrowed funds	10,000,000	2,000,000
Long-term debt	19,000,000	20,000,000
Other liabilities	3,529,192	3,544,354
Total liabilities	341,186,525	317,306,414
Stockholders' equity:
Common stock - $1 par value, 5,000,000 shares authorized, 4,293,835 shares issued	4,293,835	4,293,835
Capital surplus	31,701,533	31,701,533
Retained earnings	22,148,200	20,663,681
Accumulated other comprehensive loss	(1,223,236)	(670,246)
Treasury stock, at cost 1,745,998 shares for 2013 and 2012	(26,113,795)	(26,113,795)
Total stockholders' equity	30,806,537	29,875,008
Total liabilities and stockholders' equity	$ 371,993,062	$ 347,181,422