Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 5,062,748	$ 4,772,118
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	1,053,224	914,784
Stock Option Compensation Expense	5,976	9,507
Discount Accretion and Premium Amortization	4,038,220	3,496,657
Provisions for Losses on Loans	0	(100,000)
Income From Bank Owned Life Insurance	(396,000)	(291,000)
Gain on Sales of Loans	(657,473)	(526,295)
Gain on Sales of Mortgage-Backed Securities	(55,958)	(510,702)
Gain on Sales of Investment Securities	(716,185)	(1,165,702)
Gain on Sale of OREO	(841,728)	(218,293)
Write Down on OREO	40,000	174,400
Gain (Loss) on Disposition of Property Plant Equipment		(5,647)
Amortization of Deferred Costs on Loans	88,054	47,756
Proceeds From Sale of Loans Held For Sale	23,896,772	19,049,761
Origination of Loans Held For Sale	(24,920,171)	(18,177,098)
Decrease (Increase) in Accrued Interest Receivable:
Loans	38,341	98,607
Mortgage-Backed Securities	(14,884)	55,154
Investment Securities	90,706	(122,738)
Increase in Advance Payments By Borrowers	379,234	329,797
Other, Net	2,244,880	946,839
Net Cash Provided By Operating Activities	9,335,756	8,777,905
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of Mortgage-Backed Securities Available For Sale	(37,793,135)	(30,816,752)
Principal Repayments on Mortgage-Backed Securities Available For Sale	23,942,058	21,983,963
Principal Repayments on Mortgage-Backed Securities Held To Maturity	3,496,657	1,780,222
Payments to Acquire Mortgage Backed Securities (MBS) categorized as Held-to-maturity	(1,507,125)
Purchase of Investment Securities Available For Sale	(30,233,311)	(66,339,293)
Payments for (Proceeds from) Other Investing Activities	13,174,779
Maturities of Investment Securities Available For Sale	5,227,465	22,152,393
Proceeds From Sale of Investment Securities Available For Sale	18,410,863	30,890,194
Proceeds From Sale Of Mortgage-Backed Securities Available For Sale	3,082,591	27,329,862
Purchase of FHLB Stock	(5,014,800)	(2,765,900)
Redemption of FHLB Stock	4,554,900	3,686,300
Proceeds from Life Insurance Policies	0	(5,000,000)
Increase (Decrease) In Loans Receivable	(19,976,753)	15,800,516
Proceeds From Sale of OREO	3,159,524	2,369,726
Purchase and Improvement of Premises and Equipment	(1,599,727)	(2,232,816)
Net Cash Provided (Used) By Investing Activities	(21,076,014)	18,846,931
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase (Decrease) in Deposit Accounts	(1,798,293)	(7,988,147)
Proceeds from FHLB Advances	251,755,000	199,184,000
Repayment of FHLB Advances	(240,395,000)	(218,804,000)
Increase in Other Borrowings, Net	6,185,542	(797,988)
Dividends to Preferred Stock Shareholders	(330,000)	(330,000)
Dividends to Common Stock Shareholders	(706,914)	(706,914)
Net Cash Provided (Used) By Financing Activities	14,710,335	(29,443,049)
Net Increase (Decrease) in Cash and Cash Equivalents	2,970,077	(1,818,213)
Cash and Cash Equivalents at Beginning of Period	8,381,951	10,192,702
Cash and Cash Equivalents at End of Period	11,352,028	8,374,489
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest	2,565,836	3,288,927
Income Taxes	572,242	1,393,388
Supplemental Schedule of Non Cash Transactions:
Transfers From Loans Receivable to OREO	323,730	4,025,121
Transfers of AFS Mortgage Backed Securities to HTM	0
Transfers of Held to Maturity Mortgage Baked Securities to Available For Sale	$ 32,811,452
Proceeds from Insurance Settlement, Investing Activities		$ 8,516