5. Credit Quality - Risk ratings (Details) (USD $)	Sep. 30, 2012	Dec. 31, 2011	Sep. 30, 2011
Group A	$ 394,488,036	$ 366,739,436	$ 365,425,861
Group B	5,104,798	4,989,008	8,634,044
Group C	9,501,811	16,943,595	16,900,201
Total Loans	409,094,645	388,672,039	390,960,106
Commercial and Industrial
Group A	45,649,737	36,971,880	31,263,167
Group B	590,534	530,523	889,433
Group C	1,244,368	2,012,204	2,417,463
Total Loans	47,484,639	39,514,607	34,570,063
Commercial Real Estate
Group A	127,984,841	119,410,381	121,785,036
Group B	3,787,365	4,037,860	7,157,279
Group C	4,244,348	8,821,127	8,949,934
Total Loans	136,016,554	132,269,368	137,892,249
Residential real estate - 1st lien
Group A	164,474,055	153,954,604
Group B	408,051	98,603
Group C	3,659,304	5,482,751
Total Loans	168,541,410	159,535,958
ResidentialRealEstate1Member
Group A			200,493,345
Group B			587,332
Group C			5,517,529
Total Loans			206,598,206
Residential real estate - Jr lien
Group A	45,373,633	44,943,200
Group B	318,848	322,022
Group C	336,757	621,745
Total Loans	46,029,238	45,886,967
Consumer
Group A	11,005,770	11,459,371	11,884,313
Group B	0	0	0
Group C	17,034	5,768	15,275
Total Loans	$ 11,022,804	$ 11,465,139	$ 11,899,588