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5. Composition of net loans (Details) (USD $)
Jun. 30, 2012
Dec. 31, 2011
Jun. 30, 2011
Notes to Financial Statements      
Commercial $ 52,696,811 $ 39,514,607 $ 36,860,487
Commercial real estate 131,239,549 132,269,368 137,273,305
Residential real estate - 1st lien 166,621,140 159,535,958 161,038,426
Residential real estate - Jr. lien 46,253,285 45,886,967 46,289,717
Consumer 11,370,898 11,465,139 12,059,910
Gross Loans 408,181,683 388,672,039 393,521,845
Allowance for loan losses 3,926,119 3,886,502 3,851,369
Unearned net loan fees (76,703) (7,251) 38,803
Loans held-for-sale 2,984,024 2,285,567 1,555,288
Total Adjustments 6,833,440 6,164,818 5,445,460
Net loans $ 401,348,243 $ 382,507,221 $ 388,076,385