Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Interest Income:
Loans	$ 4,537,195	$ 4,863,488
Mortgage-Backed Securities	1,424,353	1,389,118
Investment Securities	985,106	937,301
Other	2,550	3,568
Total Interest Income	6,949,204	7,193,475
Interest Expense:
NOW And Money Market Accounts	118,429	180,759
Statement Savings Accounts	7,120	6,127
Certificate Accounts	479,159	508,795
FHLB Advances And Other Borrowed Money	421,755	707,715
Senior Convertible Debentures	121,680	121,680
Junior Subordinated Debentures	25,078	25,015
Total Interest Expense	1,173,221	1,550,091
Net Interest Income	5,775,983	5,643,384
Provision For Loan Losses	100,000	100,000
Net Interest Income After Provision For Loan Losses	5,675,983	5,543,384
Non-Interest Income:
Gain On Sale Of Investment Securities	1,486,939	84,356
Gain On Sale Of Loans	154,019	128,242
Service Fees On Deposit Accounts	257,516	276,485
Commissions From Insurance Agency	130,112	91,634
Trust Income	148,800	105,000
Bank Owned Life Insurance Income	87,000	205,827
Check Card Fee Income	231,301	210,695
Grant Income	0	281,960
Other	155,320	152,200
Total Non-Interest Income	2,651,007	1,536,399
Non-Interest Expense:
Compensation And Employee Benefits	2,987,031	2,847,002
Occupancy	490,658	500,916
Advertising	96,161	100,396
Depreciation And Maintenance Of Equipment	417,245	417,506
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	160,221	185,457
Amortization Of Intangibles	0	11,970
Net Cost Of Operation Of Other Real Estate Owned	196,624	269,096
Prepayment Penalties on FHLB Advances	787,851	0
Other	1,118,804	994,336
Total General And Administrative Expenses	6,254,595	5,326,679
Income Before Income Taxes	2,072,395	1,753,104
Provision For Income Taxes	567,768	450,584
Net Income	1,504,627	1,302,520
Preferred Stock Dividends	110,000	110,000
Net Income Available To Common Shareholders	$ 1,394,627	$ 1,192,520
Net Income Per Common Share (Basic)	$ 0.47	$ 0.41
Net Income Per Common Share (Diluted)	$ 0.45	$ 0.39
Cash Dividend Per Share On Common Stock	$ 0.08	$ 0.08
Weighted Average Shares Outstanding (Basic)	2,944,001	2,944,001
Weighted Average Shares Outstanding (Diluted)	3,248,230	3,248,201