Consolidated Balance Sheets (USD $)	Dec. 31, 2013	Dec. 31, 2012
ASSETS
Cash and due from banks	$ 7,074,010	$ 8,646,515
Interest-bearing deposits in other banks	28,296,150	27,934,537
Cash and cash equivalents	35,370,160	36,581,052
Certificates of deposit in other banks	3,430,000	3,920,000
Investment securities available for sale, at fair value	36,460,768	21,672,040
Investment securities to be held to maturity (fair value approximates $60,019,146 and $62,084,319)	59,624,039	59,863,489
Federal Home Loan Bank stock, at cost	1,721,000	1,447,500
Loans, net of allowance for loan losses of $3,077,561 and $2,844,903	215,610,347	201,292,113
Premises and equipment, net	10,335,878	10,149,290
Foreclosed assets, net	405,508	1,689,861
Intangible assets	111,338	327,038
Bank owned life insurance	4,980,390	4,766,513
Other assets	5,845,785	5,472,526
Total assets	373,895,213	347,181,422
Deposits:
NOW accounts	23,088,159	28,881,314
Money Market	89,933,636	77,132,984
Savings	28,791,929	25,988,297
Certificates of deposit $100,000 and over	36,956,313	36,590,450
Other time accounts	49,835,865	55,097,669
Total interest-bearing deposits	228,605,902	223,690,714
Noninterest-bearing deposits	81,828,637	68,071,346
Total deposits	310,434,539	291,762,060
Short-term borrowed funds	11,800,000	2,000,000
Long-term debt	17,200,000	20,000,000
Other liabilities	3,040,683	3,544,354
Total liabilities	342,475,222	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
Additional paid-in capital	31,701,533	31,701,533
Retained earnings	22,926,458	20,663,681
Accumulated other comprehensive income (loss)	(1,388,040)	(670,246)
Treasury stock, at cost 1,745,998 shares for 2013 and 2012	(26,113,795)	(26,113,795)
Total stockholders' equity	31,419,991	29,875,008
Total liabilities and stockholders' equity	$ 373,895,213	$ 347,181,422