Consolidated Balance Sheets - USD ($)	Jun. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 13,172,962	$ 14,050,682
Interest-bearing deposits in other banks	17,448,914	21,448,110
Cash and cash equivalents	30,621,876	35,498,792
Certificates of deposit in other banks	2,977,000	2,732,000
Investment securities available for sale, at fair value	73,712,634	58,313,577
Investment securities held to maturity (fair value approximates $33,209,979 and $37,010,327)	32,546,072	36,827,073
Federal Home Loan Bank stock, at cost	1,869,900	1,820,300
Total investment securities	108,128,606	96,960,950
Loans	388,285,673	376,767,688
Less: Unearned income	(17,367)	(17,451)
Allowance for loan losses	(3,465,140)	(3,428,869)
Loans, net	384,803,166	373,321,368
Premises and equipment, net	14,263,995	14,573,974
Foreclosed assets	37,605	127,605
Intangible assets	0	3,907
Bank owned life insurance	6,846,072	6,779,242
Other assets	4,796,508	4,835,329
Total assets	552,474,828	534,833,167
Deposits:
Interest bearing business checking	31,308,389	28,070,871
NOW accounts	20,772,381	35,816,115
Money Market	156,449,201	158,730,044
Savings	33,593,374	31,848,588
Certificates of deposit $250,000 and over	27,257,249	16,264,681
Other time accounts	80,967,174	81,214,376
Total interest-bearing deposits	350,347,768	351,944,675
Noninterest-bearing deposits	117,289,695	103,694,910
Total deposits	467,637,463	455,639,585
Short-term borrowed funds	6,314,286	10,457,143
Long-term debt	27,385,714	21,171,429
Other liabilities	4,078,930	3,946,066
Total liabilities	505,416,393	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	26,757,498	24,841,569
Accumulated other comprehensive loss	(663,834)	(2,187,396)
Total stockholders' equity	47,058,435	43,618,944
Total liabilities and stockholders' equity	$ 552,474,828	$ 534,833,167