3. Earnings per Common Share (Tables)

6 Months Ended

Jun. 30, 2015

Earnings Per Share [Abstract]

Schedule Of Earnings Per Share

	Three Months Ended June 30,
	2015		2014
Net income, as reported	$	1,077,704	$	1,284,386
Less: dividends to preferred shareholders		20,312		20,312
Net income available to common shareholders	$	1,057,392	$	1,264,074
Weighted average number of common shares
used in calculating earnings per share		4,954,879		4,889,257
Earnings per common share	$	0.21	$	0.26
	Six Months Ended June 30,
		2015		2014
Net income, as reported	$	2,187,544	$	2,355,951
Less: dividends to preferred shareholders		40,625		40,625
Net income available to common shareholders	$	2,146,919	$	2,315,326
Weighted average number of common shares
used in calculating earnings per share		4,946,734		4,880,969
Earnings per common share	$	0.43	$	0.47