Consolidated Balance Sheets (Unaudited) - USD ($)	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
ASSETS:
Cash And Cash Equivalents	$ 9,520,536	$ 10,192,702	$ 12,531,186	$ 7,629,771
Certificates Of Deposit With Other Banks	2,095,000	2,095,000
Investment And Mortgage-Backed Securities:
Available For Sale (Amortized Cost Of $391,109,584 And $420,876,924 At June 30, 2015 And December 31, 2014, Respectively)	395,663,451	429,700,540
Investment and Mortgage-Backed Securities, Held to Maturity	32,270,915	0
Total Investments And Mortgage-Backed Securities	427,934,366	429,700,540
Loans Receivable, Net:
Held For Sale	2,400,064	1,864,999
Held For Investment (Net Of Allowance Of $7,795,582 And $8,357,496 At June 30, 2015 And December 31, 2014, Respectively)	314,147,814	338,009,496
Total Loans Receivable, Net	316,547,878	339,874,495
Accrued Interest Receivable:
Loans	865,709	971,569
Mortgage-Backed Securities	663,863	682,585
Investment Securities	1,523,927	1,408,924
Total Accrued Interest Receivable	3,053,499	3,063,078
Premises And Equipment, Net	18,910,898	18,233,226
Federal Home Loan Bank (FHLB) Stock, At Cost	2,034,600	3,144,600
Other Real Estate Owned	5,584,017	3,229,710
Bank Owned Life Insurance	11,324,045	11,150,045
Intangible Assets, Net			0	0
Goodwill	1,199,754	1,199,754
Other Assets	4,824,854	3,480,676
Total Assets	803,029,447	825,363,826
Liabilities:
Deposit Accounts	659,204,841	660,115,164
Advances From FHLB	30,400,000	52,900,000
Other Borrowings	8,885,455	8,523,348
Junior Subordinated Debentures	5,155,000	5,155,000
Advance Payments By Borrowers For Taxes And Insurance	565,072	266,352
Senior Convertible Debentures	6,084,000	6,084,000
Other Liabilities	5,242,699	4,884,577
Total Liabilities	715,537,067	737,928,441
Shareholders' Equity:
Serial Preferred Stock, $.01 Par Value; Authorized 200,000 Shares; Issued And Outstanding, 22,000 Shares	22,000,000	22,000,000
Common Stock, $.01 Par Value; Authorized 5,000,000 Shares; Issued And Outstanding Shares, 3,146,407 And 2,945,474, Respectively, At June 30, 2015 And 3,144,934 And 2,944,001, Respectively, At December 31, 2014	31,464	31,449
Additional Paid-In Capital	12,022,494	11,990,813
Treasury Stock, At Cost (200,933 Shares)	(4,330,712)	(4,330,712)
Nonvested Restricted Stock	(25,358)
Accumulated Other Comprehensive Income	3,190,592	5,476,375
Retained Earnings	54,603,900	52,267,460
Total Shareholders' Equity	87,492,380	87,435,385	$ 84,501,777	$ 77,990,080
Total Liabilities And Shareholders' Equity	$ 803,029,447	$ 825,363,826