Consolidated Balance Sheets - USD ($)	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 7,741,655	$ 6,156,818
Interest-bearing deposits in other banks	9,619,859	24,923,455
Cash and cash equivalents	17,361,514	31,080,273
Certificates of deposit in other banks	0	245,000
Investment securities available for sale, at fair value	41,254,623	51,476,411
Investment securities held to maturity (fair value approximates $61,006,348 and $62,198,699)	59,373,300	60,888,804
Federal Home Loan Bank stock, at cost	1,905,400	1,869,200
Total investment securities	102,533,323	114,234,415
Loans	270,787,001	250,805,381
Less: Unearned income	(18,911)	(19,046)
Allowance for loan losses	(3,065,997)	(3,032,242)
Loans, net	267,702,093	247,754,093
Premises and equipment, net	11,145,205	11,157,444
Foreclosed assets, net	81,750	81,750
Intangible assets	46,875	50,781
Bank owned life insurance	5,263,124	5,231,393
Other assets	4,955,163	5,020,321
Total assets	409,089,047	414,855,470
Deposits:
NOW accounts	28,153,184	25,382,480
Money Market	97,044,994	108,226,017
Savings	29,398,069	27,720,845
Certificates of deposit $100,000 and over	26,552,916	25,189,020
Other time accounts	49,067,742	50,728,148
Total interest-bearing deposits	230,216,905	237,246,510
Noninterest-bearing deposits	101,187,769	101,769,333
Total deposits	331,404,674	339,015,843
Short-term borrowed funds	7,590,476	7,590,476
Long-term debt	28,476,190	28,476,190
Other liabilities	4,096,984	3,675,271
Total liabilities	371,568,324	378,757,780
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	28,162,341	27,369,480
Accumulated other comprehensive loss	(523,191)	(1,153,363)
Treasury stock, at cost 1,745,998 shares for 2016 and 2015	(26,113,795)	(26,113,795)
Total stockholders' equity	37,520,723	36,097,690
Total liabilities and stockholders' equity	$ 409,089,047	$ 414,855,470