Mortgage Servicing Rights

6 Months Ended

Jun. 30, 2011

Notes to Financial Statements [Abstract]

Mortgage Servicing Rights

Note 9.  Mortgage Servicing Rights

The following table shows the changes in the carrying amount of the mortgage servicing rights for the periods indicated:

	June 30,			December 31,			June 30,
	2011			2010			2010
Balance at beginning of year	$	1,076,708		$	932,961		$	932,961
Mortgage servicing rights capitalized		176,014			403,026			119,369
Mortgage servicing rights amortized		(161,413	)		(392,233	)		(193,600	)
Change in valuation allowance		112,502			132,954			37,179
Balance at end of period	$	1,203,811		$	1,076,708		$	895,909