Consolidated Balance Sheets - USD ($)	Sep. 30, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 6,514,663	$ 6,156,818
Interest-bearing deposits in other banks	26,503,586	24,923,455
Cash and cash equivalents	33,018,249	31,080,273
Certificates of deposit in other banks	0	245,000
Investment securities available for sale, at fair value	45,338,142	51,476,411
Investment securities held to maturity (fair value approximates $57,999,648 and $62,198,699)	56,388,703	60,888,804
Federal Home Loan Bank stock, at cost	1,874,200	1,869,200
Total investment securities	103,601,045	114,234,415
Loans	287,246,527	250,805,381
Less: Unearned income	(20,272)	(19,046)
Allowance for loan losses	(3,093,450)	(3,032,242)
Loans, net	284,132,805	247,754,093
Premises and equipment, net	11,771,842	11,157,444
Foreclosed assets, net	126,713	81,750
Intangible assets	39,063	50,781
Bank owned life insurance	5,325,562	5,231,393
Other assets	5,014,660	5,020,321
Total assets	443,029,939	414,855,470
Deposits:
NOW accounts	32,983,468	25,382,480
Money Market	97,974,940	108,226,017
Savings	30,833,756	27,720,845
Certificates of deposit $100,000 and over	35,393,043	25,189,020
Other time accounts	48,029,484	50,728,148
Total interest-bearing deposits	245,214,691	237,246,510
Noninterest-bearing deposits	119,041,558	101,769,333
Total deposits	364,256,249	339,015,843
Short-term borrowed funds	8,447,619	7,590,476
Long-term debt	26,885,714	28,476,190
Other liabilities	4,349,626	3,675,271
Total liabilities	403,939,208	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	29,611,624	27,369,480
Accumulated other comprehensive loss	(402,466)	(1,153,363)
Treasury stock, at cost 1,745,998 shares for 2016 and 2015	(26,113,795)	(26,113,795)
Total stockholders' equity	39,090,731	36,097,690
Total liabilities and stockholders' equity	$ 443,029,939	$ 414,855,470