3. Earnings per Common Share (Details) (USD $)	3 Months Ended				9 Months Ended
	Sep. 30, 2013		Sep. 30, 2012		Sep. 30, 2013		Sep. 30, 2012
Notes to Financial Statements
Net income, as reported	$ 1,354,933		$ 1,267,351		$ 3,635,055		$ 3,253,392
Less: dividends to preferred shareholders (1)	20,313	[1]	46,875	[1]	60,938	[1]	140,625	[1]
Net income available to common shareholders	$ 1,334,620		$ 1,220,476		$ 3,574,117		$ 3,112,767
Weighted average number of common shares used in calculating earnings per share	4,845,044		4,781,877		4,831,084		4,759,383
Earnings per common share	$ 0.28		$ 0.26		$ 0.74		$ 0.65

[1] Reflects a reduction in the dividend rate paid on the preferred stock, effective January 1, 2013, from a fixed rate of 7.50% to a quarterly adjustable rate equal to the Wall Street Journal Prime Rate in effect on the first business day of the quarter.