3. Schedule Of Earnings Per Share (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Notes to Financial Statements
Net income, as reported	$ 1,267,351	$ 820,624	$ 3,253,392	$ 2,636,811
Less: dividends to preferred shareholders	46,875	46,875	140,625	140,625
Net income available to common shareholders	$ 1,220,476	$ 773,749	$ 3,112,767	$ 2,496,186
Weighted average number of common shares used in calculating earnings per share	4,781,877	4,687,718	4,759,383	4,662,261
Earnings per common share	$ 0.26	$ 0.17	$ 0.65	$ 0.54