Consolidated Balance Sheets (USD $)	Jun. 30, 2014	Dec. 31, 2013	Jun. 30, 2013
Assets
Cash and due from banks	$ 16,321,342	$ 11,841,161	$ 15,253,825
Federal funds sold and overnight deposits	21,474	6,488,828	28,489
Total cash and cash equivalents	16,342,816	18,329,989	15,282,314
Securities held-to-maturity (fair value $23,373,000 at 06/30/14 $38,370,000 at 12/31/13 and $24,468,000 at 06/30/13)	22,966,558	37,936,911	24,105,937
Securities available-for-sale	31,198,958	35,188,602	44,599,702
Restricted equity securities, at cost	3,332,450	3,632,850	3,632,850
Loans held-for-sale	670,255	209,500	1,019,119
Loans	450,593,304	439,908,926	424,793,211
Allowance for loan losses	(4,876,816)	(4,854,915)	(4,522,179)
Deferred net loan costs	288,237	300,429	247,624
Net loans	446,004,725	435,354,440	420,518,656
Bank premises and equipment, net	11,516,750	11,723,468	12,102,176
Accrued interest receivable	1,444,775	1,778,305	1,748,237
Bank owned life insurance	4,358,117	4,303,307	4,244,849
Core deposit intangible	954,431	1,090,781	1,227,126
Goodwill	11,574,269	11,574,269	11,574,269
Other real estate owned (OREO)	916,820	1,105,525	2,171,621
Other assets	10,960,831	11,439,457	12,417,586
Total assets	562,241,755	573,667,404	554,644,442
Deposits:
Demand, non-interest bearing	81,327,974	82,156,154	69,212,564
Interest-bearing transaction accounts	104,820,943	126,578,052	106,791,838
Money market funds	67,525,017	81,960,677	72,280,640
Savings	75,556,376	69,906,147	69,841,359
Time deposits, $100,000 and over	54,293,241	46,928,443	49,979,702
Other time deposits	71,541,368	74,023,096	76,353,001
Total deposits	455,064,919	481,552,569	444,459,104
Federal funds purchased and other borrowed funds	19,915,000	0	22,055,000
Repurchase agreements	23,583,153	29,644,615	27,397,370
Capital lease obligations	677,251	711,042	743,508
Junior subordinated debentures	12,887,000	12,887,000	12,887,000
Accrued interest and other liabilities	2,723,488	2,736,201	2,724,749
Total liabilities	514,850,811	527,531,427	510,266,731
Shareholders' Equity
Preferred stock, 1,000,000 shares authorized, 25 shares issued and outstanding ($100,000 liquidation value)	2,500,000	2,500,000	2,500,000
Common stock - $2.50 par value; 15,000,000 shares authorized, 5,110,096 shares issued at 06/30/14, 5,078,707 shares issued at 12/31/13, and 5,051,780 shares issued at 06/30/13	12,775,241	12,696,768	12,629,450
Additional paid-in capital	28,975,974	28,612,308	28,320,657
Retained earnings	5,752,161	4,997,144	3,588,526
Accumulated other comprehensive income (loss)	10,345	(47,466)	(38,145)
Less: treasury stock, at cost; 210,101 shares at 06/30/14, 12/31/13 and 06/30/13	(2,622,777)	(2,622,777)	(2,622,777)
Total shareholders' equity	47,390,944	46,135,977	44,377,711
Total liabilities and shareholders' equity	$ 562,241,755	$ 573,667,404	$ 554,644,442