Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Interest Income:
Loans	$ 4,912,317	$ 4,521,458	$ 14,378,826	$ 13,680,762
Mortgage-Backed Securities	1,192,792	1,259,822	3,672,252	4,037,511
Investment Securities	1,042,765	1,124,683	3,245,857	3,198,542
Other	4,944	1,897	14,057	6,034
Total Interest Income	7,152,818	6,907,860	21,310,992	20,922,849
Interest Expense:
NOW and Money Market Accounts	102,321	103,819	309,757	326,099
Statement Savings Accounts	8,984	7,805	25,468	22,535
Certificate Accounts	407,283	444,385	1,239,282	1,393,648
FHLB Advances and Other Borrowed Money	132,889	296,497	561,316	1,057,485
Senior Convertible Debentures	121,680	121,680	365,040	365,040
Junior Subordinated Debentures	31,445	26,279	91,002	77,070
Total Interest Expense	804,602	1,000,465	2,591,865	3,241,877
Net Interest Income	6,348,216	5,907,395	18,719,127	17,680,972
Provision For Loan Losses	0	(200,000)	0	(100,000)
Net Interest Income After Provision For Loan Losses	6,348,216	6,107,395	18,719,127	17,780,972
Non-Interest Income:
Gain on Sale of Investment Securities	360,425	7,651	772,143	1,676,404
Gain on Sale of Loans	256,918	191,194	657,473	526,295
Service Fees on Deposit Accounts	266,960	258,522	772,341	790,689
Commissions From Insurance Agency	149,529	139,980	441,519	373,639
Trust Income	197,000	152,200	521,000	449,800
Bank Owned Life Insurance Income	132,000	117,000	396,000	291,000
Check Card Fee Income	247,331	239,739	742,583	719,159
Grant Income	0	97,640	265,496	97,640
Other	170,519	164,488	504,200	482,380
Total Non-Interest Income	1,780,682	1,368,414	5,072,755	5,407,006
Non-Interest Expense:
Compensation and Employee Benefits	3,167,112	3,002,259	9,675,430	8,976,214
Occupancy	502,352	481,713	1,469,602	1,427,424
Advertising	100,251	95,226	343,034	290,951
Depreciation and Maintenance of Equipment	510,645	401,102	1,486,060	1,263,932
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	62,163	140,172	322,653	455,985
Net Cost (Benefit) of Operation of OREO	25,991	(19,713)	(647,990)	267,784
Prepayment Penalties on Federal Home Loan Bank Advances	260,594	0	789,306	787,851
Other	1,065,209	1,029,201	3,485,289	3,249,451
Total Non-Interest Expense	5,694,317	5,129,960	16,923,384	16,719,592
Income Before Income Taxes	2,434,581	2,345,849	6,868,498	6,468,386
Provision For Income Taxes	654,850	601,446	1,805,750	1,696,268
Net Income	1,779,731	1,744,403	5,062,748	4,772,118
Preferred Stock Dividends	110,000	110,000	330,000	330,000
Net Income Available to Common Shareholders	$ 1,669,731	$ 1,634,403	$ 4,732,748	$ 4,442,118
Net Income Per Common Share (Basic)	$ 0.57	$ 0.56	$ 1.61	$ 1.51
Net Income Per Common Share (Diluted)	0.54	0.53	1.53	1.44
Cash Dividend Per Share on Common Stock	$ 0.08	$ 0.08	$ 0.24	$ 0.24
Weighted Average Shares Outstanding (Basic)	2,944,001	2,944,001	2,944,001	2,944,001
Weighted Average Shares Outstanding (Diluted)	3,248,526	3,248,361	3,248,474	3,248,284