5. Past due loans by segment (Details) (USD $)	Sep. 30, 2012	Dec. 31, 2011	Sep. 30, 2011
30-89 Days	$ 2,010,991	$ 9,120,129	$ 5,880,741
90 Days or more	2,883,921	6,827,193	4,208,683
Total Past Due	4,894,912	15,947,322	10,089,424
Current	402,715,793	370,439,150	378,459,440
Total Loans	407,610,705	386,386,472	388,548,864
Non-Accrual Loans	4,708,519	7,949,319	7,134,803
Over 90 Days and Accruing	1,073,279	1,239,809	1,060,942
Commercial and Industrial
30-89 Days	254,847	655,168	667,668
90 Days or more	326,693	265,668	583,258
Total Past Due	581,540	920,836	1,250,926
Current	46,903,099	38,593,771	33,319,137
Total Loans	47,484,639	39,514,607	34,570,063
Non-Accrual Loans	613,817	1,066,945	917,328
Over 90 Days and Accruing	75,042	59,618	21,824
Commercial Real Estate
30-89 Days	426,428	2,266,412	3,066,295
90 Days or more	1,331,505	1,288,616	1,025,858
Total Past Due	1,757,933	3,555,028	4,092,153
Current	134,258,621	128,714,340	133,800,096
Total Loans	136,016,554	132,269,368	137,892,249
Non-Accrual Loans	2,321,320	3,714,146	2,911,034
Over 90 Days and Accruing	53,936	98,554	209,506
Residential real estate - 1st lien
30-89 Days	749,535	5,614,513	1,673,594
90 Days or more	1,102,424	2,517,282	2,192,883
Total Past Due	1,851,959	8,131,795	3,866,477
Current	165,205,511	149,118,596	153,477,463
Total Loans	167,057,470	157,250,391	157,343,940
Non-Accrual Loans	1,441,659	2,703,920	2,768,549
Over 90 Days and Accruing	825,843	969,078	619,848
Residential real estate - Jr lien
30-89 Days	456,984	431,885	380,341
90 Days or more	109,222	2,754,129	403,815
Total Past Due	566,206	3,186,014	784,156
Current	45,463,032	42,700,953	46,058,868
Total Loans	46,029,238	45,886,967	46,843,024
Non-Accrual Loans	326,882	464,308	537,892
Over 90 Days and Accruing	109,222	111,061	208,754
Consumer
30-89 Days	123,197	152,151	92,843
90 Days or more	14,077	1,498	2,869
Total Past Due	137,274	153,649	95,712
Current	10,885,530	11,311,490	11,803,876
Total Loans	11,022,804	11,465,139	11,899,588
Non-Accrual Loans	4,841	0	0
Over 90 Days and Accruing	$ 9,236	$ 1,498	$ 1,010