1. Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2013

Notes to Financial Statements

Schedule Of Earnings Per Share

For The Years Ended December 31,	2013	2012
Net income, as reported	$5,086,655	$4,400,690
Less: dividends to preferred shareholders (1)	81,250	187,500
Net income available to common shareholders	$5,005,405	$4,213,190
Weighted average number of common shares
used in calculating earnings per share	4,838,185	4,769,645
Earnings per common share	$1.03	$0.88