Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Cash Flows from Operating Activities:
Net income	$ 1,169,494	$ 1,109,841
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation and amortization, bank premises and equipment	251,627	242,300
Provision for loan losses	100,000	150,000
Deferred income tax	(29,227)	(68,564)
Gain on sale of loans	(101,510)	(73,031)
Gain on sale of OREO	0	(51)
Income from Trust LLC	(82,579)	(93,846)
Amortization of bond premium, net	33,267	41,349
Proceeds from sales of loans held for sale	4,753,088	4,455,158
Originations of loans held for sale	(3,977,378)	(5,681,534)
Increase in taxes payable	273,795	272,734
Increase in interest receivable	(431,151)	(360,314)
Decrease in mortgage servicing rights	14,097	5,497
Decrease (increase) in other assets	177,535	(292,098)
Increase in cash surrender value of BOLI	(26,103)	(26,509)
Amortization of core deposit intangible	68,175	68,175
Amortization of limited partnerships	146,490	141,333
Decrease (increase) in unamortized loan costs	1,441	(555)
Increase (decrease) in interest payable	8,675	(861)
Decrease in accrued expenses	(359,833)	(560,280)
Increase in other liabilities	17,125	472
Net cash provided by (used in) operating activities	2,007,028	(670,784)
Investments - held-to-maturity
Maturities and pay downs	1,630,861	2,159,253
Purchases	(3,828,156)	(3,180,291)
Investments - available-for-sale Maturities, calls, pay downs and sales	1,406,742	1,301,984
Purchases	(4,206,847)	0
Proceeds from redemption of restricted equity securities	550,400	0
Decrease (increase) in loans, net	2,648,313	(4,915,561)
Capital expenditures of bank premises and equipment	(43,238)	(612,753)
Proceeds from sales of OREO	192,108	70,551
Recoveries of loans charged off	25,433	23,597
Net cash used in investing activities	(1,624,384)	(5,153,220)
Cash Flows from Financing Activities:
Net decrease in demand and interest-bearing transaction accounts	(16,033,104)	(17,752,545)
Net increase in money market and savings accounts	8,317,948	4,433,418
Net increase (decrease) in time deposits	1,129,730	(2,581,067)
Net increase (decrease) in repurchase agreements	3,075,801	(313,325)
Net increase in short-term borrowings	0	15,000,000
Proceeds from long-term borrowings	350,000	0
Decrease in capital lease obligations	(21,337)	(19,686)
Dividends paid on preferred stock	(21,875)	(20,313)
Dividends paid on common stock	(579,027)	(552,216)
Net cash used in financing activities	(3,781,864)	(1,805,734)
Net decrease in cash and cash equivalents	(3,399,220)	(7,629,738)
Cash and cash equivalents:
Beginning	28,851,890	24,962,174
Ending	25,452,670	17,332,436
Supplemental Schedule of Cash Paid During the Period:
Interest	654,587	728,375
Income taxes, net of refunds	50,000	50,000
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain on securities available-for-sale	334,883	203,004
Loans transferred to OREO	395,108	70,500
Common Shares Dividends Paid:
Dividends declared	799,182	789,242
(Increase) decrease in dividends payable attributable to dividends declared	(914)	917
Dividends reinvested	(219,241)	(237,943)
Total	$ 579,027	$ 552,216