Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Interest Income:
Loans	$ 4,521,458	$ 4,852,458	$ 13,680,762	$ 14,636,508
Mortgage-Backed Securities	1,259,822	1,538,902	4,037,511	4,568,036
Investment Securities	1,124,683	995,233	3,198,542	3,006,439
Other	1,897	2,345	6,034	8,370
Total Interest Income	6,907,860	7,388,938	20,922,849	22,219,353
Interest Expense:
NOW And Money Market Accounts	103,819	125,749	326,099	435,482
Statement Savings Accounts	7,805	6,821	22,535	19,537
Certificate Accounts	444,385	488,300	1,393,648	1,497,402
FHLB Advances And Other Borrowed Money	296,497	617,271	1,057,485	2,049,563
Senior Convertible Debentures	121,680	121,680	365,040	365,040
Junior Subordinated Debentures	26,279	25,441	77,070	75,643
Total Interest Expense	1,000,465	1,385,262	3,241,877	4,442,667
Net Interest Income	5,907,395	6,003,676	17,680,972	17,776,686
Provision For Loan Losses	(200,000)	0	(100,000)	200,000
Net Interest Income After Provision For Loan Losses	6,107,395	6,003,676	17,780,972	17,576,686
Non-Interest Income:
Gain (Loss) On Sale Of Investment Securities	7,651	142,816	1,676,404	187,687
Gain On Sale Of Loans	191,194	119,041	526,295	465,571
Service Fees On Deposit Accounts	258,522	300,920	790,689	861,476
Commissions From Insurance Agency	139,980	116,894	373,639	317,757
Trust Income	152,200	158,000	449,800	404,000
Bank Owned Life Insurance Income	117,000	75,000	291,000	479,364
Check Card Fee Income	239,739	229,542	719,159	674,098
Grant Income	97,640	183,789	97,640	483,499
Other	164,488	160,304	482,380	481,191
Total Non-Interest Income	1,368,414	1,486,306	5,407,006	4,354,643
Non-Interest Expense:
Compensation And Employee Benefits	3,002,259	2,781,418	8,976,214	8,464,967
Occupancy	481,713	515,881	1,427,424	1,491,633
Advertising	95,226	115,268	290,951	358,527
Depreciation And Maintenance Of Equipment	401,102	408,685	1,263,932	1,219,461
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	140,172	177,537	455,985	541,779
Amortization Of Intangibles			0	11,970
Net Cost Of Operation Of Other Real Estate Owned	(19,713)	(71,623)	267,784	451,947
Prepayment Penalties on FHLB Advances	0	0	787,851	0
Other	1,029,201	1,095,710	3,249,451	3,125,894
Total Non-Interest Expense	5,129,960	5,022,876	16,719,592	15,666,178
Income Before Income Taxes	2,345,849	2,467,106	6,468,386	6,265,151
Provision For Income Taxes	601,446	756,466	1,696,268	1,775,175
Net Income	1,744,403	1,710,640	4,772,118	4,489,976
Preferred Stock Dividends	110,000	110,000	330,000	330,000
Net Income Available To Common Shareholders	$ 1,634,403	$ 1,600,640	$ 4,442,118	$ 4,159,976
Net Income Per Common Share (Basic)	$ 0.56	$ 0.54	$ 1.51	$ 1.41
Net Income Per Common Share (Diluted)	0.53	0.52	1.44	1.35
Cash Dividend Per Share On Common Stock	$ 0.08	$ 0.08	$ 0.24	$ 0.24
Weighted Average Shares Outstanding (Basic)	2,944,001	2,944,001	2,944,001	2,944,001
Weighted Average Shares Outstanding (Diluted)	3,248,361	3,248,201	3,248,284	3,248,201