5. Credit Quality - Risk ratings (Details) (USD $)	Jun. 30, 2012	Dec. 31, 2011	Jun. 30, 2011
Group A	$ 388,422,883	$ 366,769,436	$ 368,316,305
Group B	5,794,881	4,989,008	8,714,684
Group C	13,963,919	16,943,595	16,490,856
Total Loans	408,181,683	388,672,039	393,521,845
Commercial
Group A	50,347,984	36,971,880	33,713,261
Group B	400,125	530,523	990,727
Group C	1,948,702	2,012,204	2,156,499
Total Loans	52,696,811	39,514,607	36,860,487
Commercial Real Estate
Group A	119,388,424	119,410,381	121,191,043
Group B	4,660,012	4,037,860	7,129,125
Group C	7,191,103	8,821,127	8,953,137
Total Loans	131,239,549	132,269,368	137,273,305
Residential real estate - 1st lien
Group A	162,033,504	153,954,604
Group B	412,798	98,603
Group C	4,174,838	5,482,751
Total Loans	166,621,140	159,535,958
Residential real estate - Jr lien
Group A	45,302,653	44,943,200
Group B	321,946	322,022
Group C	628,686	621,745
Total Loans	45,253,285	45,886,967
Residential Real Estate
Group A			201,366,558
Group B			594,832
Group C			5,366,753
Total Loans			207,328,143
Consumer
Group A	11,350,308	11,459,371	12,045,442
Group B	0	0	0
Group C	20,590	5,768	14,468
Total Loans	$ 11,370,898	$ 11,465,139	$ 12,059,910