Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
Cash Flows from Operating Activities:
Net income	$ 2,355,951	$ 2,280,122
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	488,888	515,185
Provision for loan losses	270,000	326,250
Deferred income tax	(75,275)	(180,802)
Gain on sale of securities available-for-sale	(21,828)	0
Gain on sale of loans	(251,370)	(452,096)
Loss (gain) on sale of OREO	1,840	(9,728)
Gain on Trust LLC	(163,260)	(138,402)
Amortization of bond premium, net	283,156	236,566
Proceeds from sales of loans held for sale	10,147,291	16,843,986
Originations of loans held for sale	(10,356,676)	(15,909,303)
Increase in taxes payable	542,007	544,931
Decrease in interest receivable	333,530	2,848
Amortization of FDIC insurance assessment	0	775,595
Decrease (increase) in mortgage servicing rights	4,366	(126,968)
Increase in other assets	(154,554)	(318,581)
Increase in cash surrender value of bank owned life insurance	(54,810)	(57,205)
Amortization of core deposit intangible	136,350	136,350
Amortization of limited partnerships	295,560	289,140
Decrease (increase) in unamortized loan costs	12,192	(78,123)
Decrease in interest payable	(4,937)	(17,871)
(Decrease) increase in accrued expenses	(59,879)	158,099
(Decrease) increase in other liabilities	(7,032)	10,182
Net cash provided by operating activities	3,721,510	4,830,175
Cash Flows from Investing Activities:
Maturities and pay downs	23,035,127	26,801,004
Purchases	(8,064,774)	(9,041,386)
Investments - available-for-sale Maturities, calls, pay downs and sales	16,527,429	3,000,000
Purchases	(12,711,520)	(7,268,244)
Proceeds from redemption of restricted equity securities	300,400	388,500
Decrease in limited partnership contributions payable	0	(527,000)
Increase in loans, net	(11,019,180)	(9,865,963)
Capital expenditures, net of proceeds from sales of bank premises and equipment	(282,170)	(374,041)
Proceeds from sales of OREO	237,865	204,728
Recoveries of loans charged off	35,703	40,133
Net cash provided by investing activities	8,058,880	3,357,731
Cash Flows from Financing Activities:
Net decrease in demand and interest-bearing transaction accounts	(22,585,289)	(25,775,860)
Net decrease in money market and savings accounts	(8,785,431)	(10,068,534)
Net increase in time deposits	4,883,070	4,806,639
Net decrease in repurchase agreements	(6,061,462)	(6,752,238)
Net increase in short-term borrowings	13,915,000	22,055,000
Proceeds from long-term borrowings	6,000,000	0
Repayments on long-term borrowings	0	(6,000,000)
Decrease in capital lease obligations	(33,791)	(31,193)
Dividends paid on preferred stock	(40,625)	(40,625)
Dividends paid on common stock	(1,059,035)	(980,621)
Net cash used in financing activities	(13,767,563)	(22,787,432)
Net decrease in cash and cash equivalents	(1,987,173)	(14,599,526)
Cash and cash equivalents:
Beginning	18,329,989	29,881,840
Ending	16,342,816	15,282,314
Supplemental Schedule of Cash Paid During the Period
Interest	1,576,223	1,845,071
Income taxes	44,931	0
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain (loss) on securities available-for-sale	87,592	(318,035)
Loans transferred to OREO	51,000	1,291,916
Common Shares Dividends Paid
Dividends declared	1,560,309	1,349,171
Increase in dividends payable attributable to dividends declared	(59,135)	(23,837)
Dividends reinvested	(442,139)	(344,713)
Total	$ 1,059,035	$ 980,621