Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Cash	$ 3,437,429	$ 3,604,316
Interest-bearing deposits in other financial institutions	17,979,902	8,889,574
Cash and cash equivalents	21,417,331	12,493,890
Available-for-sale securities	83,408,795	86,467,985
Held-to-maturity securities	51,341	60,993
Stock in Federal Home Loan Bank, at cost	2,837,500	3,156,900
Mortgage loans held for sale	1,618,290	1,214,632
Loans receivable, net of allowance for loan losses of June 30, 2015 - $6,651,308 - December 31, 2014 - $6,588,597	504,632,124	486,586,636
Accrued interest receivable:
Loans	1,751,924	1,704,374
Investments and interest-bearing deposits	333,398	325,684
Prepaid expenses and other assets	4,166,398	4,530,191
Foreclosed assets held for sale	3,215,284	3,165,447
Premises and equipment, net	10,691,085	10,602,763
Bank owned life insurance	14,597,640	14,417,220
Income taxes receivable	290,124	320,416
Deferred income taxes	3,627,076	3,412,513
	652,638,310	628,459,644
LIABILITIES
Deposits	519,547,082	479,818,282
Federal Home Loan Bank and Federal Reserve Bank advances	52,100,000	60,350,000
Securities sold under agreements to repurchase		10,000,000
Subordinated debentures	15,465,000	15,465,000
Advances from borrowers for taxes and insurance	385,182	143,984
Accrued expenses and other liabilities	982,485	963,386
Accrued interest payable	195,937	242,145
	$ 588,675,686	$ 566,982,797
COMMITMENTS AND CONTINGENCIES
Capital Stock:
Common stock, $0.10 par value; authorized 10,000,000 shares; issued June 30, 2015 and December 31, 2014 - 6,844,503 and 6,823,203 shares, respectively	$ 684,450	$ 682,320
Additional paid-in capital	50,272,806	50,366,546
Retained earnings, substantially restricted	50,978,228	48,549,691
Accumulated other comprehensive loss
Unrealized loss on available-for-sale securities, net of income taxes	(699,744)	(448,421)
	101,235,740	99,150,136
Treasury stock, at cost; June 30, 2015 and December 31, 2014 - 2,466,068 and 2,492,552 shares, respectively	(37,273,116)	(37,673,289)
	63,962,624	61,476,847
	$ 652,638,310	$ 628,459,644
Series A Preferred Stock [Member]
Capital Stock:
Series A preferred stock, $0.01 par value; authorized 2,000,000 shares