Consolidated Balance Sheets (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
Assets
Cash and due from banks	$ 10,834,783	$ 11,841,161	$ 13,106,861
Federal funds sold and overnight deposits	17,584	6,488,828	275,130
Total cash and cash equivalents	10,852,367	18,329,989	13,381,991
Securities held-to-maturity (fair value $48,472,000 at 09/30/14 $38,370,000 at 12/31/13 and $39,610,000 at 09/30/13)	48,069,627	37,936,911	39,218,785
Securities available-for-sale	29,167,525	35,188,602	35,452,071
Restricted equity securities, at cost	3,332,450	3,632,850	3,632,850
Loans held-for-sale	326,400	209,500	1,229,490
Loans	443,988,630	439,908,926	431,981,787
Allowance for loan losses	(4,885,791)	(4,854,915)	(4,799,431)
Deferred net loan costs	288,898	300,429	281,747
Net loans	439,391,737	435,354,440	427,464,103
Bank premises and equipment, net	11,628,750	11,723,468	11,913,170
Accrued interest receivable	1,688,893	1,778,305	1,632,971
Bank owned life insurance	4,385,812	4,303,307	4,274,307
Core deposit intangible	886,257	1,090,781	1,158,951
Goodwill	11,574,269	11,574,269	11,574,269
Other real estate owned (OREO)	1,097,820	1,105,525	1,125,105
Other assets	9,816,035	11,439,457	12,036,436
Total assets	572,217,942	573,667,404	564,094,499
Deposits:
Demand, non-interest bearing	87,206,528	82,156,154	80,465,454
Interest-bearing transaction accounts	109,045,395	126,578,052	113,732,525
Money market funds	83,523,024	81,960,677	83,547,315
Savings	77,402,718	69,906,147	70,668,274
Time deposits, $100,000 and over	46,713,827	46,928,443	46,573,680
Other time deposits	70,486,316	74,023,096	75,562,336
Total deposits	474,377,808	481,552,569	470,549,584
Federal funds purchased and other borrowed funds	10,175,000	0	8,325,000
Repurchase agreements	23,360,011	29,644,615	23,685,762
Capital lease obligations	658,838	711,042	727,437
Junior subordinated debentures	12,887,000	12,887,000	12,887,000
Accrued interest and other liabilities	2,658,685	2,736,201	2,666,402
Total liabilities	524,117,342	527,531,427	518,841,185
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, 5,125,869 shares issued at 09/30/14, 5,078,707 shares issued at 12/31/13, and 5,064,718 shares issued at 09/30/13	12,814,673	12,696,768	12,661,795
Additional paid-in capital	29,164,252	28,612,308	28,467,277
Retained earnings	6,325,058	4,997,144	4,245,488
Accumulated other comprehensive (loss) income	(80,606)	(47,466)	1,531
Less: treasury stock, at cost; 210,101 shares at 09/30/14, 12/31/13 and 09/30/13	(2,622,777)	(2,622,777)	(2,622,777)
Total shareholders' equity	48,100,600	46,135,977	45,253,314
Total liabilities and shareholders' equity	$ 572,217,942	$ 573,667,404	$ 564,094,499