3. Earnings per Common Share (Tables)

3 Months Ended

Mar. 31, 2014

Earnings Per Share [Abstract]

3. Schedule Of Earnings Per Share

	2014			2013
Net income, as reported		$	1,071,565		$	1,041,778
Less: dividends to preferred shareholders			20,313			20,313
Net income available to common shareholders		$	1,051,252		$	1,021,465
Weighted average number of common shares
used in calculating earnings per share			4,872,589			4,816,588
Earnings per common share		$	0.22		$	0.21