Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Cash Flows from Operating Activities:
Net income	$ 6,453,146	$ 6,254,929
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	689,813	736,352
Provision for loan losses	766,668	570,000
Deferred income tax provision (credit)	56,925	(70,716)
Net realized (gain) loss on sale of securities AFS	(331)	19,977
Gain on sale of loans	(158,201)	(265,035)
Gain on sale of bank premises and equipment	0	(260,013)
Loss on sale of OREO	817	2,397
Income from CFS Partners	(482,185)	(429,786)
Amortization of bond premium, net	81,354	98,245
Write down on OREO	95,008	0
Proceeds from sales of loans held for sale	6,169,639	8,702,602
Originations of loans held for sale	(7,333,776)	(7,860,877)
(Decrease) increase in taxes payable	(96,632)	292,201
Decrease (increase) in interest receivable	138,942	(164,070)
Decrease in mortgage servicing rights	83,833	62,413
Decrease in right-of-use assets	176,361	0
Decrease in operating lease liabilities	(169,761)	0
Decrease (increase) in other assets	279,923	(775,983)
Increase in cash surrender value of BOLI	(66,714)	(68,811)
Amortization of limited partnerships	234,081	283,113
Decrease (increase) in unamortized loan costs	3,224	(34,897)
Increase in interest payable	33,148	44,079
Increase in accrued expenses	158,337	103,133
Decrease in other liabilities	(89,035)	(35,961)
Net cash provided by operating activities	7,024,584	7,203,292
Cash Flows from Investing Activities:
Investments - AFS: Maturities, calls, pay downs and sales	12,124,796	6,896,563
Investments - AFS: Purchases	(14,199,656)	(8,351,213)
Proceeds from redemption of restricted equity securities	493,600	1,147,500
Purchases of restricted equity securities	(124,000)	(1,188,500)
Decrease in limited partnership contributions payable	0	(486,250)
Increase in loans, net	(26,271,976)	(30,346,971)
Capital expenditures net of proceeds from sales of bank premises and equipment	(590,468)	168,098
Proceeds from sales of OREO	105,561	333,503
Recoveries of loans charged off	56,190	114,960
Net cash used in investing activities	(28,405,953)	(31,712,310)
Cash Flows from Financing Activities:
Net (decrease) increase in demand and interest-bearing transaction accounts	(4,582,231)	12,361,306
Net increase (decrease) in money market and savings accounts	16,158,069	(7,982,921)
Net (decrease) increase in time deposits	(14,005,155)	20,471,357
Net increase in repurchase agreements	5,248,366	2,030,982
Repayments on long-term borrowings	0	(2,000,000)
Decrease in finance lease obligations	(92,614)	(85,416)
Redemption of preferred stock	(500,000)	(500,000)
Dividends paid on preferred stock	(68,750)	(76,875)
Dividends paid on common stock	(2,112,571)	(1,965,241)
Net cash used in financing activities	45,114	22,253,192
Net decrease in cash and cash equivalents	(21,336,255)	(2,255,826)
Cash and cash equivalents:
Beginning	67,934,815	42,653,501
Ending	46,598,560	40,397,675
Supplemental Schedule of Cash Paid During the Period:
Interest	4,561,379	2,983,314
Income taxes, net of refunds	1,110,000	885,000
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain (loss) on securities AFS	1,218,627	(859,696)
Loans transferred to OREO	73,448	249,900
Common Shares Dividends Paid:
Dividends declared	2,958,831	2,820,056
Increase in dividends payable attributable to dividends declared	(16,963)	(77,593)
Dividends reinvested	(829,297)	(777,222)
Total	$ 2,112,571	$ 1,965,241