Consolidated Balance Sheets (USD $)	Mar. 31, 2014	Dec. 31, 2013
ASSETS
Cash and due from banks	$ 8,279,111	$ 7,074,010
Interest-bearing deposits in other banks	39,998,500	28,296,150
Cash and cash equivalents	48,277,611	35,370,160
Certificates of deposit in other banks	3,430,000	3,430,000
Investment securities available for sale, at fair value	40,654,279	36,460,768
Investment securities held to maturity (fair value approximates $59,818,406 and $60,019,146)	58,974,050	59,624,039
Federal Home Loan Bank stock, at cost	1,641,000	1,721,000
Total investment securities	101,269,329	97,805,807
Loans	222,854,517	218,713,849
Less: Unearned income	(26,251)	(25,941)
Allowance for loan losses	(3,073,462)	(3,077,561)
Loans, net	219,754,804	215,610,347
Premises and equipment, net	10,908,224	10,335,878
Foreclosed assets, net	608,741	405,508
Intangible assets	78,125	111,338
Bank owned life insurance	4,992,664	4,980,390
Other assets	5,465,375	5,845,785
Total assets	394,784,873	373,895,213
Deposits:
NOW accounts	21,435,263	23,088,159
Money Market	103,211,164	89,933,636
Savings	30,111,664	28,791,929
Certificates of deposit $100,000 and over	32,628,928	36,956,313
Other time accounts	47,998,255	49,835,865
Total interest-bearing deposits	235,385,274	228,605,902
Noninterest-bearing deposits	95,480,083	81,828,637
Total deposits	330,865,357	310,434,539
Short-term borrowed funds	11,800,000	11,800,000
Long-term debt	17,200,000	17,200,000
Other liabilities	2,612,974	3,040,683
Total liabilities	362,478,331	342,475,222
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	23,423,717	22,926,458
Accumulated other comprehensive loss	(998,748)	(1,388,040)
Treasury stock, at cost 1,745,998 shares for 2014 and 2013	(26,113,795)	(26,113,795)
Total stockholders' equity	32,306,542	31,419,991
Total liabilities and stockholders' equity	$ 394,784,873	$ 373,895,213