CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $)	Sep. 30, 2013	Dec. 31, 2012
ASSETS
Cash and due from financial institutions	$ 37,490,812	$ 29,239,309
Interest-bearing deposits in other financial institutions	2,438,437	11,001,912
Total cash and cash equivalents	39,929,249	40,241,221
Trading assets, at fair value	313,021	348,241
Securities available for sale, at estimated fair value	259,275,117	239,685,763
Securities held to maturity, estimated fair value of $7,047,300 at September 30, 2013 and $6,421,486 at December 31, 2012	6,543,785	5,748,453
Federal Home Loan Bank and Federal Reserve Bank Stock, at cost	6,724,950	4,710,300
Loans, net of deferred origination fees and costs, and unearned income	967,634,345	893,516,941
Allowance for loan losses	(11,855,971)	(10,432,650)
Loans, net	955,778,374	883,084,291
Loans held for sale	866,430	1,057,309
Premises and equipment, net	25,086,834	25,484,385
Goodwill	21,824,443	21,824,443
Other intangible assets, net	4,481,019	5,143,820
Bank owned life insurance	2,774,487	2,711,681
Accrued interest receivable and other assets	17,493,059	18,119,801
Total assets	1,341,090,768	1,248,159,708
Deposits:
Non-interest-bearing	297,053,277	300,610,463
Interest-bearing	791,392,176	744,123,551
Total deposits	1,088,445,453	1,044,734,014
Securities sold under agreements to repurchase	30,499,228	32,710,650
Federal Home Loan Bank overnight advances	49,100,000	0
Federal Home Loan Bank term Advances	26,045,925	27,225,363
Accrued interest payable and other liabilities	12,194,266	12,374,744
Total liabilities	1,206,284,872	1,117,044,771
Shareholders' equity:
Common stock, $.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at September 30, 2013 and December 31, 2012	53,101	53,101
Additional-paid-in capital	45,555,333	45,357,073
Retained earnings	110,740,100	107,078,182
Treasury stock, at cost (715,761 shares at September 30, 2013, 728,680 shares at December 31, 2012)	(18,265,940)	(18,566,490)
Accumulated other comprehensive loss	(3,276,698)	(2,806,929)
Total shareholders' equity	134,805,896	131,114,937
Total liabilities and shareholders' equity	$ 1,341,090,768	$ 1,248,159,708