LOAN SERVICING

12 Months Ended

Dec. 31, 2011

LOAN SERVICING [Abstract]

LOAN SERVICING

NOTE D. LOAN SERVICING

Loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balances of these loans were approximately $3,932,889 and $8,991,934 in 2011 and 2010, respectively.