Consolidated Statements of Condition (USD $)	Sep. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 31,932,887	$ 24,146,939
Available for sale securities	304,260,526	287,078,463
Held to maturity securities, fair value of $2,003,692 at September 30, 2011; $2,010,430 at December 31, 2010	1,917,039	1,914,879
Other investments	3,843,455	3,926,371
Federal Home Loan Bank Stock, at cost	1,714,600	2,281,200
Loans	422,157,215	409,898,757
Less: Allowance for loan losses	7,024,517	6,650,258
Loans, net	415,132,698	403,248,499
Bank premises and equipment, net of accumulated depreciation	28,532,026	29,756,239
Other real estate	6,962,738	5,744,150
Accrued interest receivable	2,702,923	3,292,430
Cash surrender value of life insurance	16,066,420	15,951,117
Prepaid FDIC assessments	2,500,123	3,652,972
Other assets	1,701,195	5,552,225
Total assets	817,266,630	786,545,484
Deposits:
Demand, non-interest bearing	111,213,054	108,277,985
Savings and demand, interest bearing	218,669,274	193,631,209
Time, $100,000 or more	110,327,037	134,667,660
Other time deposits	47,644,726	47,562,661
Total deposits	487,854,091	484,139,515
Federal funds purchased and securities sold under agreements to repurchase	172,940,667	140,102,019
Borrowings from Federal Home Loan Bank	30,101,572	42,957,016
Other liabilities	18,759,640	17,990,072
Total liabilities	709,655,970	685,188,622
Shareholders' Equity:
Common stock, $1 par value, 15,000,000 shares authorized, 5,136,918 and 5,151,139 shares issued and outstanding at September 30, 2011 and December 31, 2010	5,136,918	5,151,139
Surplus	65,780,254	65,780,254
Undivided profits	34,486,812	33,302,381
Accumulated other comprehensive income (loss), net of tax	2,206,676	(2,876,912)
Total shareholders' equity	107,610,660	101,356,862
Total liabilities & shareholders' equity	$ 817,266,630	$ 786,545,484