3. Schedule Of Earnings Per Share (Details) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Notes to Financial Statements
Net income, as reported	$ 1,041,778	$ 964,849
Less: dividends to preferred shareholders	20,313	46,875
Net income available to common shareholders	$ 1,021,465	$ 917,974
Weighted average number of common shares used in calculating earnings per share	4,816,588	4,735,857
Earnings per common share	$ 0.21	$ 0.19