Consolidated Balance Sheets (Unaudited) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
ASSETS:
Cash and Cash Equivalents	$ 8,883,215	$ 8,381,951
Certificates of Deposit with Other Banks	3,445,005	3,445,005
Investment and Mortgage-Backed Securities:
Available For Sale	387,953,612	375,513,870
Investment and Mortgage-Backed Securities, Held to Maturity	28,508,469	29,873,098
Total Investments And Mortgage-Backed Securities	416,462,081	405,386,968
Loans Receivable, Net:
Held For Sale	1,682,094	2,462,559
Held For Investment (Net of Allowance of $8,395,214 and $8,275,133 at June 30, 2016 and December 31, 2015, Respectively)	333,354,131	328,110,170
Total Loans Receivable, Net	335,036,225	330,572,729
Accrued Interest Receivable:
Loans	872,097	886,968
Mortgage-Backed Securities	648,502	614,925
Investment Securities	1,478,781	1,523,200
Total Accrued Interest Receivable	2,999,380	3,025,093
Premises and Equipment, Net	20,208,626	20,116,918
Federal Home Loan Bank (FHLB) Stock, at Cost	2,048,300	2,214,800
Other Real Estate Owned (OREO)	2,377,793	4,361,411
Bank Owned Life Insurance	16,837,045	16,573,045
Goodwill	1,199,754	1,199,754
Other Assets	1,200,351	4,449,956
Total Assets	810,697,775	799,727,630
Liabilities:
Deposit Accounts	657,602,257	652,096,545
Advances From FHLB	29,110,000	34,640,000
Other Borrowings	9,384,881	6,411,977
Junior Subordinated Debentures	5,155,000	5,155,000
Advance Payments By Borrowers For Taxes And Insurance	576,367	256,730
Senior Convertible Debentures	6,084,000	6,084,000
Other Liabilities	5,228,151	4,115,956
Total Liabilities	713,140,656	708,760,208
Shareholders' Equity:
Serial Preferred Stock, $.01 Par Value; Authorized 200,000 Shares; Issued and Outstanding Shares, 22,000	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	31,464	31,464
Additional Paid-In Capital	12,032,816	12,028,832
Treasury Stock, at Cost (200,933 Shares)	(4,330,712)	(4,330,712)
Nonvested Restricted Stock	(25,358)	(25,358)
Accumulated Other Comprehensive Income	8,256,333	4,262,361
Retained Earnings	59,592,576	57,000,835
Total Shareholders' Equity	97,557,119	90,967,422
Total Liabilities And Shareholders' Equity	$ 810,697,775	$ 799,727,630