Consolidated Balance Sheets (USD $)	Dec. 31, 2014	Dec. 31, 2013
ASSETS
Cash and due from banks	$ 6,782,566	$ 7,074,010
Interest-bearing deposits in other banks	5,776,131	28,296,150
Cash and cash equivalents	12,558,697	35,370,160
Certificates of deposit in other banks	1,470,000	3,430,000
Investment securities available for sale, at fair value	53,837,956	36,460,768
Investment securities to be held to maturity (fair value approximates $62,841,404 and $60,019,146)	61,587,819	59,624,039
Federal Home Loan Bank stock, at cost	1,560,000	1,721,000
Loans, net of allowance for loan losses of $3,114,151 and $3,077,561	221,285,666	215,610,347
Premises and equipment, net	11,756,267	10,335,878
Foreclosed assets, net	273,653	405,508
Intangible assets	66,406	111,338
Bank owned life insurance	5,104,173	4,980,390
Other assets	4,779,573	5,845,785
Total assets	374,280,210	373,895,213
Deposits:
NOW accounts	22,889,731	23,088,159
Money Market	99,918,017	89,933,636
Savings	28,156,220	28,791,929
Certificates of deposit $100,000 and over	31,366,996	36,956,313
Other time accounts	46,299,767	49,835,865
Total interest-bearing deposits	228,630,731	228,605,902
Noninterest-bearing deposits	81,342,861	81,828,637
Total deposits	309,973,592	310,434,539
Short-term borrowed funds	5,133,333	11,800,000
Long-term debt	22,066,667	17,200,000
Other liabilities	2,771,236	3,040,683
Total liabilities	339,944,828	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
Additional paid-in capital	31,701,533	31,701,533
Retained earnings	25,014,980	22,926,458
Accumulated other comprehensive income (loss)	(561,171)	(1,388,040)
Treasury stock, at cost 1,745,998 shares for 2014 and 2013	(26,113,795)	(26,113,795)
Total stockholders' equity	34,335,382	31,419,991
Total liabilities and stockholders' equity	$ 374,280,210	$ 373,895,213