Consolidated Balance Sheets (USD $)	Sep. 30, 2014	Dec. 31, 2013
ASSETS
Cash and due from banks	$ 7,090,269	$ 7,074,010
Interest-bearing deposits in other banks	15,023,567	28,296,150
Cash and cash equivalents	22,113,836	35,370,160
Certificates of deposit in other banks	2,940,000	3,430,000
Investment securities available for sale, at fair value	50,096,800	36,460,768
Investment securities held to maturity (fair value approximates $60,119,889 and $60,019,146)	58,737,285	59,624,039
Federal Home Loan Bank stock, at cost	1,830,000	1,721,000
Total investment securities	110,664,085	97,805,807
Loans	225,977,464	218,713,849
Less: Unearned income	(30,181)	(25,941)
Allowance for loan losses	(3,195,711)	(3,077,561)
Loans, net	222,751,572	215,610,347
Premises and equipment, net	11,836,195	10,335,878
Foreclosed assets, net	299,199	405,508
Intangible assets	70,313	111,338
Bank owned life insurance	5,066,889	4,980,390
Other assets	5,020,762	5,845,785
Total assets	380,762,851	373,895,213
Deposits:
NOW accounts	22,310,385	23,088,159
Money Market	97,518,500	89,933,636
Savings	29,768,180	28,791,929
Certificates of deposit $100,000 and over	25,874,953	36,956,313
Other time accounts	45,821,208	49,835,865
Total interest-bearing deposits	221,293,226	228,605,902
Noninterest-bearing deposits	89,991,915	81,828,637
Total deposits	311,285,141	310,434,539
Short-term borrowed funds	11,133,333	11,800,000
Long-term debt	22,066,667	17,200,000
Other liabilities	2,735,476	3,040,683
Total liabilities	347,220,617	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	24,556,466	22,926,458
Accumulated other comprehensive loss	(895,805)	(1,388,040)
Treasury stock, at cost 1,745,998 shares for 2014 and 2013	(26,113,795)	(26,113,795)
Total stockholders' equity	33,542,234	31,419,991
Total liabilities and stockholders' equity	$ 380,762,851	$ 373,895,213