Consolidated Balance Sheets - USD ($)	Jun. 30, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 5,835,201	$ 6,156,818
Interest-bearing deposits in other banks	7,687,268	24,923,455
Cash and cash equivalents	13,522,469	31,080,273
Certificates of deposit in other banks	0	245,000
Investment securities available for sale, at fair value	43,055,215	51,476,411
Investment securities held to maturity (fair value approximates $59,652,856 and $62,198,699)	57,700,451	60,888,804
Federal Home Loan Bank stock, at cost	1,905,400	1,869,200
Total investment securities	102,661,066	114,234,415
Loans	288,049,403	250,805,381
Less: Unearned income	(19,315)	(19,046)
Allowance for loan losses	(3,112,642)	(3,032,242)
Loans, net	284,917,446	247,754,093
Premises and equipment, net	11,080,188	11,157,444
Foreclosed assets, net	81,750	81,750
Intangible assets	42,969	50,781
Bank owned life insurance	5,294,423	5,231,393
Other assets	4,864,846	5,020,321
Total assets	422,465,157	414,855,470
Deposits:
NOW accounts	28,384,181	25,382,480
Money Market	94,093,191	108,226,017
Savings	29,650,438	27,720,845
Certificates of deposit $100,000 and over	33,567,600	25,189,020
Other time accounts	48,817,129	50,728,148
Total interest-bearing deposits	234,512,539	237,246,510
Noninterest-bearing deposits	109,503,911	101,769,333
Total deposits	344,016,450	339,015,843
Short-term borrowed funds	7,590,476	7,590,476
Long-term debt	28,476,190	28,476,190
Other liabilities	3,838,692	3,675,271
Total liabilities	383,921,808	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	28,919,131	27,369,480
Accumulated other comprehensive loss	(257,355)	(1,153,363)
Treasury stock, at cost 1,745,998 shares for 2016 and 2015	(26,113,795)	(26,113,795)
Total stockholders' equity	38,543,349	36,097,690
Total liabilities and stockholders' equity	$ 422,465,157	$ 414,855,470