Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Cash Flows from Operating Activities:
Net income	$ 1,071,565	$ 1,041,778
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	246,008	261,932
Provision for loan losses	135,000	206,250
Deferred income tax	(27,827)	(144,408)
Gain on sale of loans	(127,454)	(219,954)
Loss (gain) on sale of OREO	1,840	(9,728)
Gain on Trust LLC	(79,812)	(63,594)
Amortization of bond premium, net	79,113	120,290
Proceeds from sales of loans held for sale	4,922,980	8,069,687
Originations of loans held for sale	(5,091,626)	(7,695,988)
Increase in taxes payable	540,800	277,187
Increase in interest receivable	(219,996)	(219,530)
Amortization of FDIC insurance assessment	0	94,105
Decrease (increase) in mortgage servicing rights	7,384	(36,629)
Decrease (increase) in other assets	149,217	(124,301)
Increase in cash surrender value of bank owned life insurance	(27,260)	(27,890)
Amortization of core deposit intangible	68,175	68,175
Amortization of limited partnerships	147,780	144,570
Decrease (increase) in unamortized loan costs	10,164	(37,468)
Increase (decrease) in interest payable	1,186	(9,891)
Decrease in accrued expenses	(424,696)	(446,324)
Increase in other liabilities	15,067	38,046
Net cash provided by operating activities	1,397,608	1,286,315
Cash Flows from Investing Activities:
Maturities and pay downs	3,083,260	4,476,973
Purchases	(4,065,647)	(4,992,386)
Investments - available - for - sale Maturities, calls, pay downs and sales	6,000,000	2,000,000
Purchases	(2,015,945)	(7,268,244)
Proceeds from redemption of restricted equity securities	0	388,500
Decrease in limited partnership contributions payable	0	(527,000)
Increase in loans, net	(12,490,049)	(1,128,848)
Capital expenditures net of proceeds from sales of bank premises and equipment	(122,115)	(191,092)
Proceeds from sales of OREO	237,865	204,728
Recoveries of loans charged off	15,871	10,215
Net cash used in investing activities	(9,356,760)	(7,027,154)
Cash Flows from Financing Activities:
Net decrease in demand and interest-bearing transaction accounts	(15,747,305)	(22,861,793)
Net increase in money market and savings accounts	6,498,097	10,422,592
Net increase in time deposits	10,304,209	1,204,441
Net decrease in repurchase agreements	(3,758,911)	(5,525,656)
Net increase in short-term borrowings	6,000,000	7,845,000
Proceeds from long-term borrowings	6,000,000	0
Repayments on long-term borrowings	0	(6,000,000)
Decrease in capital lease obligations	(16,727)	(15,441)
Dividends paid on preferred stock	(20,313)	(20,313)
Dividends paid on common stock	(502,719)	(487,661)
Net cash provided by (used in) financing activities	8,756,331	(15,438,831)
Net increase (decrease) in cash and cash equivalents	797,179	(21,179,670)
Cash and cash equivalents:
Beginning	18,329,989	29,881,840
Ending	19,127,168	8,702,170
Supplemental Schedule of Cash Paid During the Period
Interest	792,104	944,688
Income taxes	(330,069)	0
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain (loss) on securities available-for-sale	61,956	(23,700)
Common Shares Dividends Paid
Dividends declared	778,872	673,502
Increase in dividends payable attributable to dividends declared	(102,207)	(18,758)
Dividends reinvested	(173,946)	(167,083)
Total	$ 502,719	$ 487,661