Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 1,716,743	$ 1,504,627
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	343,740	309,913
Stock Option Compensation Expense	1,992	3,169
Discount Accretion And Premium Amortization	1,330,301	1,252,401
Provisions For Losses On Loans	0	100,000
Income From Bank Owned Life Insurance	(132,000)	(87,000)
Gain On Sales Of Loans	(208,966)	(154,019)
Gain On Sales Of Mortgage-Backed Securities	0	(358,141)
(Gain) Loss On Sales Of Investment Securities	(258,068)	(1,128,798)
Gain On Sale Of Other Real Estate Owned	(755,496)	(57,040)
Write Down On Other Real Estate Owned	40,000	124,400
Amortization Of Deferred Fees On Loans	29,269	4,737
Proceeds From Sale Of Loans Held For Sale	7,852,627	5,860,686
Origination Of Loans Held For Sale	(6,352,291)	(5,720,512)
(Increase) Decrease In Accrued Interest Receivable:
Loans	(74,547)	(58,089)
Mortgage-Backed Securities	(33,196)	6,640
Investment Securities	91,569	77,870
Increase In Advance Payments By Borrowers	164,503	147,815
Other, Net	2,092,417	796,189
Net Cash Provided By Operating Activities	5,848,597	2,624,848
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase Of Mortgage-Backed Securities Available For Sale	(17,654,734)	(15,625,415)
Payments to Acquire Mortgage Backed Securities (MBS) categorized as Held-to-maturity	(1,507,125)	0
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	1,303,075	0
Principal Repayments On Mortgage-Backed Securities Available For Sale	5,860,554	7,421,481
Purchase Of Investment Securities Available For Sale	(10,273,607)	(41,533,216)
Proceeds from Sale, Maturity and Collection of Investments	4,406,607	0
Maturities Of Investment Securities Available For Sale	2,001,279	9,257,293
Proceeds From Sale of Investment Securities Available For Sale	3,185,961	29,095,492
Proceeds From Sale of Mortgage-Backed Securities Available For Sale	0	7,266,721
Purchase Of FHLB Stock	(1,355,400)	(868,800)
Redemption Of FHLB Stock	1,514,700	1,817,300
Increase (Decrease) In Loans Receivable	2,628,459	(4,137,337)
Proceeds From Sale Of Repossessed Assets	2,494,851	263,340
Purchase And Improvement Of Premises And Equipment	(520,656)	(684,789)
Net Cash Provided By Investing Activities	(13,172,954)	546,744
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase In Deposit Accounts	9,135,194	12,326,393
Proceeds From FHLB Advances	78,030,000	86,670,000
Repayment Of FHLB Advances	(81,780,000)	(105,370,000)
Increase in Other Borrowings, Net	2,295,174	1,816,809
Dividends To Preferred Stock Shareholders	(110,000)	(110,000)
Dividends To Common Stock Shareholders	(235,638)	(235,638)
Net Cash Used By Financing Activities	7,334,730	(4,902,436)
Net Increase (Decrease) In Cash And Cash Equivalents	10,373	(1,730,844)
Cash And Cash Equivalents At Beginning Of Period	8,381,951
Cash And Cash Equivalents At End Of Period	8,392,324	8,461,858
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest	830,171	1,201,870
Income Taxes	19,242	10,388
Supplemental Schedule Of Non Cash Transactions:
Transfers From Loans Receivable To Other Real Estate Owned	$ 0	$ 3,587,840