8. Loan Servicing (Tables)

6 Months Ended

Jun. 30, 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:

	June 30,			December 31,			June 30,
	2013			2012			2012
Balance at beginning of year	$	1,009,623		$	1,097,442		$	1,097,442
Mortgage servicing rights capitalized		153,106			406,807			204,042
Mortgage servicing rights amortized		(186,145	)		(409,584	)		(202,455	)
Change in valuation allowance		160,008			(85,042	)		(46,836	)
Balance at end of period	$	1,136,592		$	1,009,623		$	1,052,193