Consolidated Balance Sheets - USD ($)	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 6,156,818	$ 6,782,566
Interest-bearing deposits in other banks	24,923,455	5,776,131
Cash and cash equivalents	31,080,273	12,558,697
Certificates of deposit in other banks	245,000	1,470,000
Investment securities available for sale, at fair value	51,476,411	53,837,956
Investment securities to be held to maturity (fair value approximates $62,198,699 and $62,841,404)	60,888,804	61,587,819
Federal Home Loan Bank stock, at cost	1,869,200	1,560,000
Loans, net of allowance for loan losses of $3,032,242 and $3,114,151	247,754,093	221,285,666
Premises and equipment, net	11,157,444	11,756,267
Foreclosed assets, net	81,750	273,653
Intangible assets	50,781	66,406
Bank owned life insurance	5,231,393	5,104,173
Other assets	5,020,321	4,779,573
Total assets	414,855,470	374,280,210
Deposits:
NOW accounts	25,382,480	22,889,731
Money market	108,226,017	99,918,017
Savings	27,720,845	28,156,220
Certificates of deposit $100,000 and over	25,189,020	31,366,996
Other time accounts	50,728,148	46,299,767
Total interest-bearing deposits	237,246,510	228,630,731
Noninterest-bearing deposits	101,769,333	81,342,861
Total deposits	339,015,843	309,973,592
Short-term borrowed funds	7,590,476	5,133,333
Long-term debt	28,476,190	22,066,667
Other liabilities	3,675,271	2,771,236
Total liabilities	378,757,780	339,944,828
Stockholders’ equity:
Common stock – $1 par value, 5,000,000 shares authorized, 4,293,835 shares for 2015 and 2014 issued	4,293,835	4,293,835
Additional paid-in capital	31,701,533	31,701,533
Retained earnings	27,369,480	25,014,980
Accumulated other comprehensive loss	(1,153,363)	(561,171)
Treasury stock, at cost 1,745,998 shares for 2015 and 2014	(26,113,795)	(26,113,795)
Total stockholders’ equity	36,097,690	34,335,382
Total liabilities and stockholders’ equity	$ 414,855,470	$ 374,280,210