Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Interest Income:
Loans	$ 4,824,401	$ 4,622,109	$ 9,466,509	$ 9,159,304
Mortgage-Backed Securities	1,225,059	1,353,336	2,479,460	2,777,689
Investment Securities	1,118,693	1,088,753	2,203,092	2,073,859
Other	4,603	1,587	9,113	4,137
Total Interest Income	7,172,756	7,065,785	14,158,174	14,014,989
Interest Expense:
NOW and Money Market Accounts	104,321	103,851	207,436	222,280
Statement Savings Accounts	8,594	7,610	16,484	14,730
Certificate Accounts	423,267	470,104	831,999	949,263
FHLB Advances and Other Borrowed Money	179,768	339,233	428,427	760,988
Senior Convertible Debentures	121,680	121,680	243,360	243,360
Junior Subordinated Debentures	30,454	25,713	59,557	50,791
Total Interest Expense	868,084	1,068,191	1,787,263	2,241,412
Net Interest Income	6,304,672	5,997,594	12,370,911	11,773,577
Provision For Loan Losses	0	0	0	100,000
Net Interest Income After Provision For Loan Losses	6,304,672	5,997,594	12,370,911	11,673,577
Non-Interest Income:
Gain on Sale of Investment Securities	153,650	181,814	411,718	1,668,753
Gain on Sale of Loans	191,589	181,082	400,555	335,101
Service Fees on Deposit Accounts	265,036	274,651	505,381	532,167
Commissions From Insurance Agency	122,143	103,547	291,990	233,659
Trust Income	162,000	148,800	324,000	297,600
Bank Owned Life Insurance Income	132,000	87,000	264,000	174,000
Check Card Fee Income	257,110	248,119	495,252	479,420
Grant Income	0	0	265,496	0
Other	180,805	162,572	333,681	317,892
Total Non-Interest Income	1,464,333	1,387,585	3,292,073	4,038,592
Non-Interest Expense:
Compensation and Employee Benefits	3,177,520	2,986,924	6,508,318	5,973,955
Occupancy	470,532	455,053	967,250	945,711
Advertising	112,806	99,564	242,783	195,725
Depreciation and Maintenance of Equipment	499,041	445,585	975,415	862,830
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	127,443	155,592	260,490	315,813
Net Cost (Benefit) of Operation of OREO	1,945	90,873	(673,981)	287,497
Prepayment Penalties on Federal Home Loan Bank Advances	281,206	0	528,712	787,851
Other	1,022,630	1,101,446	2,420,080	2,220,250
Total Non-Interest Expense	5,693,123	5,335,037	11,229,067	11,589,632
Income Before Income Taxes	2,075,882	2,050,142	4,433,917	4,122,537
Provision For Income Taxes	509,608	527,054	1,150,900	1,094,822
Net Income	1,566,274	1,523,088	3,283,017	3,027,715
Preferred Stock Dividends	110,000	110,000	220,000	220,000
Net Income Available to Common Shareholders	$ 1,456,274	$ 1,413,088	$ 3,063,017	$ 2,807,715
Net Income Per Common Share (Basic)	$ 0.49	$ 0.48	$ 1.04	$ 0.95
Net Income Per Common Share (Diluted)	0.47	0.46	0.99	0.91
Cash Dividend Per Share on Common Stock	$ 0.08	$ 0.08	$ 0.16	$ 0.16
Weighted Average Shares Outstanding (Basic)	2,944,001	2,944,001	2,944,001	2,944,001
Weighted Average Shares Outstanding (Diluted)	3,248,444	3,248,249	3,248,445	3,248,240