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3. Loans, Allowance for Loan Losses and Credit Quality (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Loans and Leases Receivable Disclosure [Abstract]      
Commercial and Industrial $ 55,619,285 $ 49,283,948  
Commercial real estate 156,935,803 139,807,517  
Residential real estate - 1st lien 172,847,074 169,612,809  
Residential real estate - Jr. lien 45,687,405 47,029,023  
Consumer 8,819,359 10,642,151  
Gross Loans 439,908,926 416,375,448  
Allowance for loan loss 4,854,915 4,312,080 3,886,502
Deferred net loan costs (fees) (300,429) (169,501)  
Total Adjustments 4,554,486 4,142,579  
Net loans $ 435,354,440 $ 412,232,869