Consolidated Balance Sheets - USD ($)	Mar. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 11,348,240	$ 14,050,682
Interest-bearing deposits in other banks	37,666,935	21,448,110
Cash and cash equivalents	49,015,175	35,498,792
Certificates of deposit in other banks	2,732,000	2,732,000
Investment securities available for sale, at fair value	62,962,079	58,313,577
Investment securities held to maturity (fair value approximates $35,674,367 and $37,010,327)	35,184,883	36,827,073
Federal Home Loan Bank stock, at cost	1,019,900	1,820,300
Total investment securities	99,166,862	96,960,950
Loans	377,711,765	376,767,688
Less: Unearned income	(17,390)	(17,451)
Allowance for loan losses	(3,366,927)	(3,428,869)
Loans, net	374,327,448	373,321,368
Premises and equipment, net	14,443,696	14,573,974
Foreclosed assets	127,605	127,605
Intangible assets	0	3,907
Bank owned life insurance	6,812,589	6,779,242
Other assets	4,445,793	4,835,329
Total assets	551,071,168	534,833,167
Deposits:
Interest bearing business checking	33,419,254	28,070,871
NOW accounts	40,651,250	35,816,115
Money Market	163,903,769	158,730,044
Savings	33,580,463	31,848,588
Certificates of deposit $250,000 and over	16,831,531	16,264,681
Other time accounts	85,564,731	81,214,376
Total interest-bearing deposits	373,950,998	351,944,675
Noninterest-bearing deposits	114,667,559	103,694,910
Total deposits	488,618,557	455,639,585
Short-term borrowed funds	4,100,000	10,457,143
Long-term debt	9,600,000	21,171,429
Other liabilities	3,492,686	3,946,066
Total liabilities	505,811,243	491,214,223
Stockholders' equity:
Common stock - $1 par value, 5,000,000 shares authorized, 2,545,776 shares issued	2,545,776	2,545,776
Capital surplus	18,418,995	18,418,995
Retained earnings	25,764,780	24,841,569
Accumulated other comprehensive loss	(1,469,626)	(2,187,396)
Total stockholders' equity	45,259,925	43,618,944
Total liabilities and stockholders' equity	$ 551,071,168	$ 534,833,167