8. Loan Servicing (Tables)

9 Months Ended

Sep. 30, 2012

Notes to Financial Statements

Schedule Of Mortgage Servicing Rights

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

	September 30,			December 31,			September 30,
	2012			2011			2011
Balance at beginning of year	$	1,097,442		$	1,076,708		$	1,076,708
Mortgage servicing rights capitalized		313,082			355,730			238,117
Mortgage servicing rights amortized		(314,100	)		(346,165	)		(260,597	)
Change in valuation allowance		(91,087	)		11,169			80,888
Balance at end of period	$	1,005,337		$	1,097,442		$	1,135,116