Consolidated Balance Sheets - USD ($)	Sep. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 7,741,026	$ 6,782,566
Interest-bearing deposits in other banks	13,556,747	5,776,131
Cash and cash equivalents	21,297,773	12,558,697
Certificates of deposit in other banks	1,225,000	1,470,000
Investment securities available for sale, at fair value	49,588,837	53,837,956
Investment securities held to maturity (fair value approximates $62,636,552 and $62,841,404)	61,336,556	61,587,819
Federal Home Loan Bank stock, at cost	1,614,200	1,560,000
Total investment securities	112,539,593	116,985,775
Loans	239,105,986	224,425,738
Less: Unearned income	(20,206)	(25,921)
Allowance for loan losses	(3,180,110)	(3,114,151)
Loans, net	235,905,670	221,285,666
Premises and equipment, net	11,356,010	11,756,267
Foreclosed assets, net	0	273,653
Intangible assets	54,688	66,406
Bank owned life insurance	5,194,073	5,104,173
Other assets	4,648,633	4,779,573
Total assets	392,221,440	374,280,210
Deposits:
NOW accounts	24,823,134	22,889,731
Money Market	99,127,931	99,918,017
Savings	29,773,788	28,156,220
Certificates of deposit $100,000 and over	25,354,420	31,366,996
Other time accounts	48,978,513	46,299,767
Total interest-bearing deposits	228,057,786	228,630,731
Noninterest-bearing deposits	94,714,395	81,342,861
Total deposits	322,772,181	309,973,592
Short-term borrowed funds	6,733,333	5,133,333
Long-term debt	23,333,333	22,066,667
Other liabilities	2,877,636	2,771,236
Total liabilities	355,716,483	339,944,828
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	26,781,225	25,014,980
Accumulated other comprehensive loss	(157,841)	(561,171)
Treasury stock, at cost 1,745,998 shares for 2015 and 2014	(26,113,795)	(26,113,795)
Total stockholders' equity	36,504,957	34,335,382
Total liabilities and stockholders' equity	$ 392,221,440	$ 374,280,210