Condensed Consolidated Balance Sheets (Current Period Unaudited) (USD $)	Sep. 30, 2014	Dec. 31, 2013
ASSETS
Cash	$ 3,499,789	$ 3,453,032
Interest-bearing deposits in other financial institutions	7,622,823	8,850,168
Cash and cash equivalents	11,122,612	12,303,200
Available-for-sale securities	96,715,489	97,692,685
Held-to-maturity securities	65,352	79,162
Stock in Federal Home Loan Bank, at cost	3,108,900	2,885,100
Mortgage loans held for sale	69,132	623,432
Loans receivable, net of allowance for loan losses of September 30, 2014 - $6,537,697 - December 31, 2013 - $7,801,600	466,530,432	464,379,854
Accrued interest receivable:
Loans	1,383,215	1,462,881
Investments and interest-bearing deposits	285,790	389,760
Prepaid expenses and other assets	4,788,417	5,536,879
Foreclosed assets held for sale	3,556,044	3,821,976
Premises and equipment, net	10,668,442	10,886,720
Bank owned life insurance	14,324,175	14,043,697
Income taxes receivable	897,107	504,138
Deferred income taxes	3,586,343	5,278,651
	617,101,450	619,888,135
LIABILITIES
Deposits	471,250,671	487,318,939
Federal Home Loan Bank and Federal Reserve Bank advances	59,150,000	55,350,000
Securities sold under agreements to repurchase	10,000,000	10,000,000
Subordinated debentures	15,465,000	15,465,000
Advances from borrowers for taxes and insurance	444,050	149,668
Accrued expenses and other liabilities	1,204,264	998,934
Accrued interest payable	241,932	250,361
	557,755,917	569,532,902
COMMITMENTS AND CONTINGENCIES
Capital Stock:
Series A preferred stock, $0.01 par value; authorized 2,000,000 shares; issued and outstanding December 31, 2013 - 12,000 shares		11,983,790
Common stock, $0.10 par value; authorized 10,000,000 shares; issued September 30, 2014 and December 31, 2013 - 6,823,203 and 6,783,603 shares, respectively	682,320	678,360
Additional paid-in capital	50,796,626	57,655,031
Retained earnings, substantially restricted	46,984,044	43,769,485
Accumulated other comprehensive loss
Unrealized loss on available-for-sale securities, net of income taxes	(983,268)	(2,506,248)
	97,479,722	111,580,418
Treasury stock, at cost; September 30, 2014 and December 31, 2013 - 2,523,055 and 4,051,248 shares, respectively	(38,134,189)	(61,225,185)
	59,345,533	50,355,233
	$ 617,101,450	$ 619,888,135