Consolidated Balance Sheets - USD ($)	Sep. 30, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 8,670,020	$ 7,700,522
Interest-bearing deposits in other banks	11,617,814	18,819,394
Cash and cash equivalents	20,287,834	26,519,916
Certificates of deposit in other banks	1,985,000	0
Investment securities available for sale, at fair value	54,947,116	53,565,503
Investment securities held to maturity (fair value approximates $47,811,846 and $55,123,073)	46,954,600	54,602,535
Federal Home Loan Bank stock, at cost	2,463,700	1,874,200
Total investment securities	104,365,416	110,042,238
Loans	329,837,806	292,543,131
Less: Unearned income	(17,950)	(18,895)
Allowance for loan losses	(3,207,550)	(3,124,611)
Loans, net	326,612,306	289,399,625
Premises and equipment, net	11,890,861	11,209,285
Bank property held for sale	211,500	211,500
Foreclosed assets	903,842	126,713
Intangible assets	23,438	35,156
Bank owned life insurance	5,456,848	5,356,683
Other assets	5,482,002	5,600,114
Total assets	477,219,047	448,501,230
Deposits:
NOW accounts	29,078,175	47,420,335
Money Market	116,769,151	95,658,654
Savings	30,982,353	29,006,734
Certificates of deposit $100,000 and over	41,206,614	43,234,832
Other time accounts	38,242,851	39,524,168
Total interest-bearing deposits	256,279,144	254,844,723
Noninterest-bearing deposits	128,477,333	116,648,264
Total deposits	384,756,477	371,492,987
Short-term borrowed funds	22,114,286	8,447,619
Long-term debt	24,771,429	26,028,571
Other liabilities	4,560,398	4,109,719
Total liabilities	436,202,590	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	32,583,013	30,333,410
Accumulated other comprehensive loss	(1,441,471)	(1,785,991)
Treasury stock, at cost 1,746,398 shares for 2017 and 2016	(26,120,453)	(26,120,453)
Total stockholders' equity	41,016,457	38,422,334
Total liabilities and stockholders' equity	$ 477,219,047	$ 448,501,230