Consolidated Balance Sheets (Unaudited) - USD ($)	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Assets
Cash and due from banks	$ 11,233,651	$ 11,935,993	$ 16,321,342
Federal funds sold and overnight deposits	8,220,300	13,026,181	21,474
Total cash and cash equivalents	19,453,951	24,962,174	16,342,816
Securities held-to-maturity (fair value $26,055,000 at 06/30/15, $42,234,000 at 12/31/14 and $23,373,000 at 06/30/14)	25,738,769	41,810,945	22,966,558
Securities available-for-sale	31,204,034	32,946,894	31,198,958
Restricted equity securities, at cost	3,332,450	3,332,450	3,332,450
Loans held-for-sale	360,225	26,250	670,255
Loans	459,482,050	447,804,955	450,593,304
Allowance for loan losses	(5,095,212)	(4,905,874)	(4,876,816)
Deferred net loan costs	307,235	303,394	288,237
Net loans	454,694,073	443,202,475	446,004,725
Bank premises and equipment, net	11,702,753	11,488,948	11,516,750
Accrued interest receivable	1,577,886	1,698,448	1,444,775
Bank owned life insurance (BOLI)	4,466,781	4,413,574	4,358,117
Core deposit intangible	681,731	818,081	954,431
Goodwill	11,574,269	11,574,269	11,574,269
Other real estate owned (OREO)	1,122,500	1,238,320	916,820
Other assets	10,589,228	9,198,216	10,960,831
Total assets	576,498,650	586,711,044	562,241,755
Deposits:
Demand, non-interest bearing	84,396,417	88,758,469	81,327,974
Interest-bearing transaction accounts	111,758,309	125,388,872	104,820,943
Money market funds	71,676,688	88,820,124	67,525,017
Savings	81,578,169	77,029,722	75,556,376
Time deposits, $100,000 and over	43,309,486	45,284,645	54,293,241
Other time deposits	62,348,260	67,737,631	71,541,368
Total deposits	455,067,329	493,019,463	455,064,919
Federal funds purchased and other borrowed funds	30,000,000	0	19,915,000
Repurchase agreements	24,403,315	28,542,961	23,583,153
Capital lease obligations	599,772	639,544	677,251
Junior subordinated debentures	12,887,000	12,887,000	12,887,000
Accrued interest and other liabilities	3,500,041	2,626,874	2,723,488
Total liabilities	526,457,457	537,715,842	514,850,811
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 5,176,128 shares issued at 06/30/15, 5,142,475 shares issued at 12/31/14 and 5,110,096 shares issued at 06/30/14	12,940,320	12,856,188	12,775,241
Additional paid-in capital	29,748,084	29,359,300	28,975,974
Retained earnings	7,475,708	6,909,934	5,752,161
Accumulated other comprehensive (loss) income	(142)	(7,443)	10,345
Less: treasury stock, at cost; 210,101 shares at 06/30/15, 12/31/14 and 06/30/14	(2,622,777)	(2,622,777)	(2,622,777)
Total shareholders' equity	50,041,193	48,995,202	47,390,944
Total liabilities and shareholders' equity	$ 576,498,650	$ 586,711,044	$ 562,241,755