Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Cash Flows from Operating Activities:
Net income	$ 5,426,694	$ 6,072,107
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	570,063	527,106
Provision for loan losses	1,200,000	534,998
Deferred income tax	13,973	(118,016)
Gain on sale of loans	(198,869)	(256,724)
Gain on sale of bank premises and equipment	0	(9,800)
(Income) loss from CFS Partners	(298,831)	1,405,942
Amortization of bond premium, net	361,335	227,051
Proceeds from sales of loans held for sale	7,527,010	6,720,974
Originations of loans held for sale	(7,810,641)	(7,127,394)
Increase (decrease) in taxes payable	151,237	(502,632)
Increase in interest receivable	(250,179)	(52,856)
Decrease in mortgage servicing rights	1,019	12,816
Decrease in right-of-use assets	99,340	98,078
Decrease in operating lease liabilities	(102,577)	(98,407)
Increase in other assets	(287,979)	(158,830)
Increase in cash surrender value of BOLI	(40,239)	(42,751)
Amortization of limited partnerships	134,184	181,524
Change in net deferred loan fees and costs	(443,511)	1,603,391
Decrease in interest payable	(7,759)	(25,382)
Increase (decrease) in accrued expenses	82,812	(217,439)
Increase (decrease) in other liabilities	132,754	(65,366)
Net cash provided by operating activities	6,259,836	8,708,390
Investments - AFS
Maturities, calls, pay downs and sales	9,909,154	9,522,747
Purchases	(34,822,702)	(41,640,583)
Proceeds from redemption of restricted equity securities	43,500	0
Purchases of restricted equity securities	0	(600)
Decrease in limited partnership contributions payable	0	(150,000)
(Increase) decrease in loans, net	(13,648,856)	5,097,834
Capital expenditures net of proceeds from sales of bank premises and equipment	(168,101)	(2,884,472)
Recoveries of loans charged off	31,359	31,994
Net cash used in investing activities	(38,655,646)	(30,023,080)
Cash Flows from Financing Activities:
Net (decrease) increase in demand and interest-bearing transaction accounts	(14,107,598)	7,893,263
Net increase in money market and savings accounts	7,448,461	14,984,300
Net decrease in time deposits	(832,174)	(5,275,008)
Net decrease in repurchase agreements	(1,375,064)	(15,210,676)
Repayments on long-term borrowings	0	(500,000)
(Decrease) increase in finance lease obligations	(105,918)	2,340,406
Dividends paid on preferred stock	(25,312)	(24,375)
Dividends paid on common stock	(1,897,885)	(1,636,606)
Net cash (used in) provided by financing activities	(10,895,490)	2,571,304
Net decrease in cash and cash equivalents	(43,291,300)	(18,743,386)
Cash and cash equivalents:
Beginning	110,358,926	115,049,920
Ending	67,067,626	96,306,534
Supplemental Schedule of Cash Paid During the Period:
Interest	1,451,391	1,645,771
Income taxes, net of refunds	902,000	1,812,000
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized loss on securities AFS	(18,100,828)	(1,039,828)
Common Shares Dividends Paid:
Dividends declared	2,476,929	2,342,808
Decrease (increase) in dividends payable attributable to dividends declared	14,569	(151,287)
Dividends reinvested	(593,613)	(554,915)
Total dividends paid	$ 1,897,885	$ 1,636,606