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5. Composition of net loans (Details) (USD $)
Sep. 30, 2012
Jun. 30, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2011
Dec. 31, 2010
Notes to Financial Statements            
Commercial and Industrial $ 47,484,639   $ 39,514,607 $ 34,570,063    
Commercial real estate 136,016,554   132,269,368 137,892,249    
Residential real estate - 1st lien 168,541,410   159,535,958 159,755,182    
Residential real estate - Jr. lien 46,029,238   45,886,967 46,843,024    
Consumer 11,022,804   11,465,139 11,899,588    
Gross Loans 409,094,645   388,672,039 390,960,106    
Allowance for loan losses 4,115,230 3,926,119 3,886,502 3,835,840 3,851,369 3,727,935
Deferred net loan costs (fees) (101,742)   (7,251) 20,474    
Loans held-for-sale 1,483,940   2,285,567 2,411,242    
Total Adjustments 5,497,428   6,164,818 6,267,556    
Net loans $ 403,597,217   $ 382,507,221 $ 384,692,550