Consolidated Balance Sheets - USD ($)	Mar. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 7,133,341	$ 7,700,522
Interest-bearing deposits in other banks	18,106,238	18,819,394
Cash and cash equivalents	25,239,579	26,519,916
Certificates of deposit in other banks	1,235,000	0
Investment securities available for sale, at fair value	59,691,911	53,565,503
Investment securities held to maturity (fair value approximates $53,437,710 and $55,123,073)	52,698,128	54,602,535
Federal Home Loan Bank stock, at cost	1,904,700	1,874,200
Total investment securities	114,294,739	110,042,238
Loans	310,724,906	292,543,131
Less: Unearned income	(17,773)	(18,895)
Allowance for loan losses	(3,161,834)	(3,124,611)
Loans, net	307,545,299	289,399,625
Premises and equipment, net	11,260,054	11,209,285
Bank property held for sale	211,500	211,500
Foreclosed assets, net	126,713	126,713
Intangible assets	31,250	35,156
Bank owned life insurance	5,389,945	5,356,683
Other assets	5,563,028	5,600,114
Total assets	470,897,107	448,501,230
Deposits:
NOW accounts	38,164,337	47,420,335
Money Market	114,701,682	95,658,654
Savings	30,189,626	29,006,734
Certificates of deposit $100,000 and over	41,340,805	43,234,832
Other time accounts	39,890,453	39,524,168
Total interest-bearing deposits	264,286,903	254,844,723
Noninterest-bearing deposits	128,719,653	116,648,264
Total deposits	393,006,556	371,492,987
Short-term borrowed funds	8,447,619	8,447,619
Long-term debt	26,028,571	26,028,571
Other liabilities	4,110,886	4,109,719
Total liabilities	431,593,632	410,078,896
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	31,118,496	30,333,410
Accumulated other comprehensive loss	(1,689,936)	(1,785,991)
Treasury stock, at cost 1,746,398 shares for 2017 and 2016	(26,120,453)	(26,120,453)
Total stockholders' equity	39,303,475	38,422,334
Total liabilities and stockholders' equity	$ 470,897,107	$ 448,501,230