Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash Flows from Operating Activities:
Net income	$ 3,627,366	$ 3,733,140
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	728,753	736,587
Provision for loan losses	375,000	405,000
Deferred income tax	(261,012)	(112,439)
Gain on sale of securities available-for-sale	(2,723)	(27,838)
Gain on sale of loans	(301,910)	(341,687)
Loss on sale of bank premises and equipment	87,278	0
(Gain) loss on sale of OREO	5,384	1,840
Gain on Trust LLC	(269,313)	(224,749)
Amortization of bond premium, net	130,432	193,303
Write down of OREO	45,320	0
Proceeds from sales of loans held for sale	18,395,365	15,779,107
Originations of loans held for sale	(19,265,838)	(15,554,320)
Increase in taxes payable	251,897	1,321,462
Decrease in interest receivable	10,965	89,412
Decrease in mortgage servicing rights	15,716	2,536
(Increase) decrease in other assets	(258,984)	210,344
Increase in cash surrender value of BOLI	(80,102)	(82,505)
Amortization of core deposit intangible	204,525	204,525
Amortization of limited partnerships	423,999	443,340
(Increase) decrease in unamortized loan costs	(4,795)	11,531
Decrease in interest payable	(13,022)	(9,932)
Decrease in accrued expenses	(52,429)	(113,790)
Decrease in other liabilities	(9,752)	(12,892)
Net cash provided by operating activities	3,782,120	6,651,975
Investments - held-to-maturity
Maturities and pay downs	28,218,911	28,095,563
Purchases	(34,065,859)	(38,228,279)
Investments - available-for-sale Maturities, calls, pay downs and sales	11,081,823	18,516,920
Purchases	(8,490,830)	(12,711,520)
Proceeds from redemption of restricted equity securities	0	300,400
Increase in limited partnership contributions payable	975,000	0
Investments in limited partnerships	(975,500)	0
Increase in loans, net	(8,035,374)	(4,784,999)
Capital expenditures of bank premises and equipment	(618,097)	(641,869)
Proceeds from sales of OREO	210,616	288,865
Recoveries of loans charged off	75,835	48,171
Net cash provided by investing activities	(11,623,475)	(9,116,748)
Cash Flows from Financing Activities:
Net decrease in demand and interest-bearing transaction accounts	(9,352,999)	(12,482,283)
Net increase in money market and savings accounts	4,804,037	9,058,918
Net decrease in time deposits	(9,462,010)	(3,751,396)
Net decrease in repurchase agreements	(6,565,646)	(6,284,604)
Net increase in short-term borrowings	20,000,000	10,175,000
Proceeds from long-term borrowings	0	6,000,000
Repayments on long-term borrowings	0	(6,000,000)
Decrease in capital lease obligations	(60,267)	(52,204)
Dividends paid on preferred stock	(60,938)	(60,938)
Dividends paid on common stock	(1,683,898)	(1,615,342)
Net cash used in financing activities	(2,381,721)	(5,012,849)
Net decrease in cash and cash equivalents	(10,223,076)	(7,477,622)
Cash and cash equivalents:
Beginning	24,962,174	18,329,989
Ending	14,739,098	10,852,367
Supplemental Schedule of Cash Paid During the Period:
Interest	2,045,309	2,342,227
Income taxes, net of refunds	917,000	(345,087)
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain (loss) on securities available-for-sale	157,052	(50,212)
Loans transferred to OREO	81,475	283,000
Common Shares Dividends Paid:
Dividends declared	2,375,465	2,344,289
Increase in dividends payable attributable to dividends declared	(23,805)	(59,097)
Dividends reinvested	(667,762)	(669,850)
Total	$ 1,683,898	$ 1,615,342