Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 1,628,618	$ 1,716,743
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	330,970	343,740
Stock Option Compensation Expense	25,358	1,992
Discount Accretion and Premium Amortization	1,363,031	1,330,301
Income From Bank Owned Life Insurance	(120,000)	(132,000)
Gain on Sales of Loans	(280,368)	(208,966)
Gain on Sales of Mortgage-Backed Securities	(284,935)	0
Gain on Sales of Investment Securities	(298,456)	(258,068)
Gain on Sale of OREO	(214,025)	(755,496)
Write Down on OREO	18,000	40,000
Amortization of Deferred Costs on Loans	25,899	29,269
Proceeds From Sale of Loans Held For Sale	10,585,391	7,852,627
Origination of Loans Held For Sale	(7,179,868)	(6,352,291)
Decrease (Increase) in Accrued Interest Receivable:
Loans	4,670	(74,547)
Mortgage-Backed Securities	34,282	(33,196)
Investment Securities	(105,929)	91,569
Increase in Advance Payments By Borrowers	179,825	164,503
Other, Net	808,495	2,092,417
Net Cash Provided By Operating Activities	6,520,958	5,848,597
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of Mortgage-Backed Securities Available For Sale	(6,638,366)	(17,654,734)
Principal Repayments on Mortgage-Backed Securities Available For Sale	9,239,992	5,860,554
Principal Repayments on Mortgage-Backed Securities Held To Maturity	1,003,401	1,303,075
Payments to Acquire Mortgage Backed Securities (MBS) categorized as Held-to-maturity	0	(1,507,125)
Purchase of Investment Securities Available For Sale	(42,474,277)	(10,273,607)
Payments to Acquire Held-to-maturity Securities	3,997,750	0
Payments for (Proceeds from) Other Investing Activities	5,354,864	6,407,886
Proceeds From Sale of Investment Securities Available For Sale	4,256,705	3,185,961
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	850,000	0
Proceeds From Sale Of Mortgage-Backed Securities Available For Sale	11,047,043	0
Purchase of FHLB Stock	(2,222,900)	(1,355,400)
Redemption of FHLB Stock	2,653,200	1,514,700
Increase (Decrease) In Loans Receivable	1,219,032	(2,628,459)
Proceeds From Sale of OREO	989,846	2,494,851
Purchase and Improvement of Premises and Equipment	(772,043)	(520,656)
Net Cash Provided (Used) By Investing Activities	(19,491,253)	(13,172,954)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase (Decrease) in Deposit Accounts	43,576,643	9,135,194
Proceeds from FHLB Advances	26,540,000	78,030,000
Repayment of FHLB Advances	(36,935,000)	(81,780,000)
Proceeds from (Repayments of) Short-term Debt, Maturing in Three Months or Less	448,601	2,295,174
Proceeds from (Repayments of) Notes Payable	(1,000,000)	0
Dividends to Preferred Stock Shareholders	0	(110,000)
Dividends to Common Stock Shareholders	(265,092)	(235,638)
Net Cash Provided (Used) By Financing Activities	32,365,152	7,334,730
Net Increase (Decrease) in Cash and Cash Equivalents	19,394,857	10,373
Cash and Cash Equivalents at Beginning of Period	9,374,549	8,381,951
Cash and Cash Equivalents at End of Period	28,769,406	8,392,324
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest	830,766	830,171
Income Taxes	0	19,242
Supplemental Schedule of Non Cash Transactions:
Transfers From Loans Receivable to OREO	$ 128,008	$ 0