Consolidated Balance Sheets (Unaudited) - USD ($)	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014
Assets
Cash and due from banks	$ 11,300,856	$ 11,935,993	$ 10,834,783
Federal funds sold and overnight deposits	3,438,242	13,026,181	17,584
Total cash and cash equivalents	14,739,098	24,962,174	10,852,367
Securities held-to-maturity (fair value $48,011,000 at 09/30/15, $42,234,000 at 12/31/14 and $48,472,000 at 09/30/14)	47,657,894	41,810,945	48,069,627
Securities available-for-sale	30,385,242	32,946,894	29,167,525
Restricted equity securities, at cost	3,332,450	3,332,450	3,332,450
Loans held-for-sale	1,198,633	26,250	326,400
Loans	455,418,132	447,804,955	443,988,630
Allowance for loan losses	(5,015,987)	(4,905,874)	(4,885,791)
Deferred net loan costs	308,189	303,394	288,898
Net loans	450,710,334	443,202,475	439,391,737
Bank premises and equipment, net	11,291,015	11,488,948	11,628,750
Accrued interest receivable	1,687,483	1,698,448	1,688,893
Bank owned life insurance (BOLI)	4,493,676	4,413,574	4,385,812
Core deposit intangible	613,556	818,081	886,257
Goodwill	11,574,269	11,574,269	11,574,269
Other real estate owned (OREO)	1,058,475	1,238,320	1,097,820
Other assets	10,218,014	9,198,216	9,816,035
Total assets	588,960,139	586,711,044	572,217,942
Deposits:
Demand, non-interest bearing	91,124,547	88,758,469	87,206,528
Interest-bearing transaction accounts	113,669,795	125,388,872	109,045,395
Money market funds	89,103,792	88,820,124	83,523,024
Savings	81,550,091	77,029,722	77,402,718
Time deposits, $100,000 and over	42,626,875	45,284,645	46,713,827
Other time deposits	60,933,391	67,737,631	70,486,316
Total deposits	479,008,491	493,019,463	474,377,808
Federal funds purchased and other borrowed funds	20,000,000	0	10,175,000
Repurchase agreements	21,977,315	28,542,961	23,360,011
Capital lease obligations	579,277	639,544	658,838
Junior subordinated debentures	12,887,000	12,887,000	12,887,000
Accrued interest and other liabilities	3,550,476	2,626,874	2,658,685
Total liabilities	538,002,559	537,715,842	524,117,342
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 5,189,705 shares issued at 09/30/15, 5,142,475 shares issued at 12/31/14 and 5,125,869 shares issued at 09/30/14	12,974,263	12,856,188	12,814,673
Additional paid-in capital	29,908,987	29,359,300	29,164,252
Retained earnings	8,100,897	6,909,934	6,325,058
Accumulated other comprehensive (loss) income	96,210	(7,443)	(80,606)
Less: treasury stock, at cost; 210,101 shares at 09/30/15, 12/31/14 and 09/30/14	(2,622,777)	(2,622,777)	(2,622,777)
Total shareholders' equity	50,957,580	48,995,202	48,100,600
Total liabilities and shareholders' equity	$ 588,960,139	$ 586,711,044	$ 572,217,942