Consolidated Balance Sheets (USD $)	Jun. 30, 2014	Dec. 31, 2013
ASSETS
Cash and due from banks	$ 8,309,899	$ 7,074,010
Interest-bearing deposits in other banks	4,910,149	28,296,150
Cash and cash equivalents	13,220,048	35,370,160
Certificates of deposit in other banks	3,430,000	3,430,000
Investment securities available for sale, at fair value	52,690,671	36,460,768
Investment securities held to maturity (fair value approximates $767,895 and $60,019,146)	58,428,702	59,624,039
Federal Home Loan Bank stock, at cost	1,506,000	1,721,000
Total investment securities	112,625,373	97,805,807
Loans	227,298,341	218,713,849
Less: Unearned income	(25,760)	(25,941)
Allowance for loan losses	(3,126,754)	(3,077,561)
Loans, net	224,145,827	215,610,347
Premises and equipment, net	11,702,547	10,335,878
Foreclosed assets, net	437,736	405,508
Intangible assets	74,219	111,338
Bank owned life insurance	5,029,761	4,980,390
Other assets	4,912,520	5,845,785
Total assets	375,578,031	373,895,213
Deposits:
NOW accounts	24,284,690	23,088,159
Money Market	96,526,876	89,933,636
Savings	30,225,409	28,791,929
Certificates of deposit $100,000 and over	29,891,735	36,956,313
Other time accounts	46,641,679	49,835,865
Total interest-bearing deposits	227,570,389	228,605,902
Noninterest-bearing deposits	86,247,963	81,828,637
Total deposits	313,818,352	310,434,539
Short-term borrowed funds	8,800,000	11,800,000
Long-term debt	17,200,000	17,200,000
Other liabilities	2,601,877	3,040,683
Total liabilities	342,420,229	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	23,956,737	22,926,458
Accumulated other comprehensive loss	(680,508)	(1,388,040)
Treasury stock, at cost 1,745,998 shares for 2014 and 2013	(26,113,795)	(26,113,795)
Total stockholders' equity	33,157,802	31,419,991
Total liabilities and stockholders' equity	$ 375,578,031	$ 373,895,213