8. Loan Servicing (Tables)

3 Months Ended

Mar. 31, 2013

Notes to Financial Statements

Schedule Of Mortgage Servicing Rights

The following table shows the changes in the carrying amount of the mortgage servicing rights for the periods indicated:

	March 31,			December 31,			March 31,
	2013			2012			2012
Balance at beginning of year	$	1,009,623		$	1,097,442		$	1,097,442
Mortgage servicing rights capitalized		74,507			406,807			98,317
Mortgage servicing rights amortized		(104,557	)		(409,584	)		(90,181	)
Change in valuation allowance		66,679			(85,042	)		(36,161	)
Balance at end of period	$	1,046,252		$	1,009,623		$	1,069,417