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3. Loans, Allowance for Loan Losses and Credit Quality (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Notes to Financial Statements      
Commercial and Industrial $ 49,283,948 $ 39,514,607  
Commercial real estate 139,807,517 132,269,368  
Residential real estate - 1st lien 171,114,515 159,535,958  
Residential real estate - Jr. lien 47,029,023 45,886,967  
Consumer 10,642,151 11,465,139  
Gross Loans 417,877,154 388,672,039  
Allowance for loan losses 4,312,080 3,886,502 3,727,935
Deferred net loan costs (fees) (169,501) (7,251)  
Loans held-for-sale 1,501,706 2,285,567  
Total Adjustments 5,644,285 6,164,818  
Net loans $ 412,232,869 $ 382,507,221