Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 4,772,118	$ 4,489,976
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	914,784	891,142
Amortization Of Intangible Assets	0	11,970
Stock Option Compensation Expense	9,507	9,507
Discount Accretion And Premium Amortization	3,496,657	3,922,542
Provisions For Losses On Loans	(100,000)	200,000
Income From Bank Owned Life Insurance	(291,000)	(225,000)
Gain On Sales Of Loans	(526,295)	(465,571)
Gain On Sales Of Mortgage-Backed Securities	(510,702)	(451,751)
(Gain) Loss On Sales Of Investment Securities	(1,165,702)	264,064
Gain On Sale Of Other Real Estate Owned	(218,293)	(193,403)
Write Down On Other Real Estate Owned	174,400	405,000
Gain (Loss) on Disposition of Assets	(5,647)
Amortization Of Deferred Costs On Loans	47,756	12,775
Proceeds From Sale Of Loans Held For Sale	19,049,761	16,877,096
Origination Of Loans Held For Sale	(18,177,098)	(17,234,871)
(Increase) Decrease In Accrued Interest Receivable:
Loans	98,607	46,532
Mortgage-Backed Securities	55,154	11,294
Investment Securities	(122,738)	(32,392)
Increase In Advance Payments By Borrowers	329,797	323,250
Other, Net	946,839	1,333,451
Net Cash Provided By Operating Activities	8,777,905	10,195,611
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase Of Mortgage-Backed Securities Available For Sale	(30,816,752)	(50,417,565)
Principal Repayments On Mortgage-Backed Securities Available For Sale	21,983,963	24,085,687
Principal Repayments On Mortgage-Backed Securities Held To Maturity	1,780,222	0
Purchase Of Investment Securities Available For Sale	(66,339,293)	(40,181,576)
Maturities Of Investment Securities Available For Sale	22,152,393	17,167,888
Proceeds From Sale Of Investment Securities Available For Sale	30,890,194	29,526,067
Proceeds From Sale Of Mortgage-Backed Securities Available For Sale	27,329,862	25,063,634
Purchase Of FHLB Stock	(2,765,900)	(4,434,480)
Redemption Of FHLB Stock	3,686,300	5,599,480
Proceeds from Life Insurance Policies	(5,000,000)	624,260
Increase (Decrease) In Loans Receivable	(15,800,516)	(13,826,634)
Proceeds From Sale Of Other Real Estate Owned	2,369,726	1,461,940
Purchase And Improvement Of Premises And Equipment	(2,232,816)	(2,025,581)
Net Cash Provided By Investing Activities	18,846,931	20,296,388
CASH FLOWS FROM FINANCING ACTIVITIES:
Decrease In Deposit Accounts	(7,988,147)	(12,232,848)
Proceeds From FHLB Advances	199,184,000	171,890,000
Repayment Of FHLB Advances	(218,804,000)	(191,310,058)
Increase In Other Borrowings, Net	(797,988)	2,778,617
Dividends To Preferred Stock Shareholders	(330,000)	(330,000)
Dividends To Common Stock Shareholders	(706,914)	(706,560)
Net Cash Used By Financing Activities	(29,443,049)	(29,910,849)
Net Increase (Decrease) In Cash And Cash Equivalents	(1,818,213)	581,150
Cash And Cash Equivalents At Beginning Of Period	10,192,702	7,629,771
Cash And Cash Equivalents At End Of Period	8,374,489	8,210,921
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest	3,288,927	4,407,602
Income Taxes	1,393,388	180,350
Supplemental Schedule Of Non Cash Transactions:
Transfers From Loans Receivable To Other Real Estate Owned	4,025,121	$ 1,038,960
Transfers of AFS Mortgage Backed Securities to HTM	32,811,452
Transfers of Held to Maturity Mortgage Baked Securities to Available For Sale	0
Proceeds from Insurance Settlement, Investing Activities	$ 8,516