Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
Cash Flows from Operating Activities:
Net income	$ 3,733,140	$ 3,635,055
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	736,587	767,837
Provision for loan losses	405,000	463,750
Deferred income tax	(112,439)	407,080
(Gain) loss on sale of securities available-for-sale	(27,838)	5,521
Gain on sale of loans	(341,687)	(625,171)
Loss (gain) on sale of OREO	1,840	(9,728)
Gain on Trust LLC	(224,749)	(196,216)
Amortization of bond premium, net	193,303	342,865
Write down of OREO	0	19,500
Proceeds from sales of loans held for sale	15,779,107	23,373,876
Originations of loans held for sale	(15,554,320)	(22,476,489)
Increase in taxes payable	1,321,462	295,808
Decrease in interest receivable	89,412	118,114
Amortization of FDIC insurance assessment	0	775,595
Decrease (increase) in mortgage servicing rights	2,536	(218,167)
Decrease (increase) in other assets	210,344	(290,733)
Increase in cash surrender value of bank owned life insurance	(82,505)	(86,663)
Amortization of core deposit intangible	204,525	204,525
Amortization of limited partnerships	443,340	432,256
Decrease (increase) in unamortized loan costs	11,531	(112,246)
Decrease in interest payable	(9,932)	(19,501)
(Decrease) increase in accrued expenses	(113,790)	98,794
(Decrease) increase in other liabilities	(12,892)	9,991
Net cash provided by operating activities	6,651,975	6,915,653
Cash Flows from Investing Activities:
Maturities and pay downs	28,095,563	34,247,653
Purchases	(38,228,279)	(31,600,883)
Investments - available-for-sale Maturities, calls, pay downs and sales	18,516,920	13,095,380
Purchases	(12,711,520)	(8,267,697)
Proceeds from redemption of restricted equity securities	300,400	388,500
Decrease in limited partnership contributions payable	0	(527,000)
Increase in loans, net	(4,784,999)	(17,228,066)
Capital expenditures net of proceeds from sales of bank premises and equipment	(641,869)	(437,687)
Proceeds from sales of OREO	288,865	1,331,428
Recoveries of loans charged off	48,171	253,728
Net cash used in investing activities	(9,116,748)	(8,744,644)
Cash Flows from Financing Activities:
Net decrease in demand and interest-bearing transaction accounts	(12,482,283)	(7,582,283)
Net increase in money market and savings accounts	9,058,918	2,025,056
Net (decrease) increase in time deposits	(3,751,396)	609,952
Net decrease in repurchase agreements	(6,284,604)	(10,463,846)
Net increase in short-term borrowings	10,175,000	8,325,000
Proceeds from long-term borrowings	6,000,000	0
Repayments on long-term borrowings	(6,000,000)	(6,000,000)
Decrease in capital lease obligations	(52,204)	(47,264)
Dividends paid on preferred stock	(60,938)	(60,938)
Dividends paid on common stock	(1,615,342)	(1,476,535)
Net cash used in financing activities	(5,012,849)	(14,670,858)
Net decrease in cash and cash equivalents	(7,477,622)	(16,499,849)
Cash and cash equivalents:
Beginning	18,329,989	29,881,840
Ending	10,852,367	13,381,991
Supplemental Schedule of Cash Paid During the Period
Interest	2,342,227	2,666,127
Income taxes	(345,087)	0
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized loss on securities available-for-sale	(50,212)	(257,919)
Loans transferred to OREO	283,000	1,391,600
Common Shares Dividends Paid
Dividends declared	2,344,289	2,026,829
Increase in dividends payable attributable to dividends declared	(59,097)	(26,616)
Dividends reinvested	(669,850)	(523,678)
Total	$ 1,615,342	$ 1,476,535