Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 3,283,017	$ 3,027,715
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	698,002	609,013
Stock Option Compensation Expense	3,984	6,338
Discount Accretion and Premium Amortization	2,660,159	2,044,787
Provisions for Losses on Loans	0	100,000
Income From Bank Owned Life Insurance	(264,000)	(174,000)
Gain on Sales of Loans	(400,555)	(335,101)
Gain on Sales of Mortgage-Backed Securities	(46,040)	(503,051)
Gain on Sales of Investment Securities	(365,678)	(1,165,702)
Gain on Sale of OREO	(781,363)	(104,813)
Write Down on OREO	40,000	174,400
Amortization of Deferred Costs on Loans	57,977	24,866
Proceeds From Sale of Loans Held For Sale	14,835,314	11,772,855
Origination of Loans Held For Sale	(13,654,294)	(11,972,819)
Decrease (Increase) in Accrued Interest Receivable:
Loans	14,871	105,860
Mortgage-Backed Securities	(33,577)	18,722
Investment Securities	44,419	(115,003)
Increase in Advance Payments By Borrowers	319,637	298,720
Other, Net	1,824,276	997,909
Net Cash Provided By Operating Activities	8,236,149	4,810,696
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of Mortgage-Backed Securities Available For Sale	(31,230,934)	(27,734,716)
Principal Repayments on Mortgage-Backed Securities Available For Sale	13,928,123	14,907,051
Principal Repayments on Mortgage-Backed Securities Held To Maturity	2,613,163	1,014,906
Payments to Acquire Mortgage Backed Securities (MBS) categorized as Held-to-maturity	(1,507,125)
Purchase of Investment Securities Available For Sale	(18,938,907)	(60,620,546)
Payments for (Proceeds from) Other Investing Activities	8,729,548
Maturities of Investment Securities Available For Sale	5,032,629	15,329,891
Proceeds From Sale of Investment Securities Available For Sale	12,158,368	30,890,194
Proceeds From Sale Of Mortgage-Backed Securities Available For Sale	2,423,078	23,333,612
Purchase of FHLB Stock	(2,827,100)	(2,020,700)
Redemption of FHLB Stock	2,993,600	3,130,700
Increase (Decrease) In Loans Receivable	(5,444,078)	20,012,876
Proceeds From Sale of OREO	2,867,121	1,300,046
Purchase and Improvement of Premises and Equipment	(789,711)	(1,286,685)
Net Cash Provided (Used) By Investing Activities	(9,992,225)	18,256,629
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase (Decrease) in Deposit Accounts	5,505,712	(910,323)
Proceeds from FHLB Advances	132,705,000	174,790,000
Repayment of FHLB Advances	(138,235,000)	(197,290,000)
Increase in Other Borrowings, Net	2,972,904	362,107
Dividends to Preferred Stock Shareholders	(220,000)	(220,000)
Dividends to Common Stock Shareholders	(471,276)	(471,275)
Net Cash Provided (Used) By Financing Activities	2,257,340	(23,739,491)
Net Increase (Decrease) in Cash and Cash Equivalents	501,264	(672,166)
Cash and Cash Equivalents at Beginning of Period	8,381,951	10,192,702
Cash and Cash Equivalents at End of Period	8,883,215	9,520,536
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest	1,857,994	2,404,297
Income Taxes	155,242	672,388
Supplemental Schedule of Non Cash Transactions:
Transfers From Loans Receivable to OREO	142,140	$ 3,723,940
Transfers of AFS Mortgage Backed Securities to HTM	0
Transfers of Held to Maturity Mortgage Baked Securities to Available For Sale	$ 32,811,452