1. Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2015

Notes to Financial Statements

Schedule Of Earnings Per Share

Years Ended December 31,	2015		2014
Net income, as reported	$	4,825,591	$	5,124,908
Less: dividends to preferred shareholders		81,250		81,250
Net income available to common shareholders	$	4,744,341	$	5,043,658
Weighted average number of common shares
used in calculating earnings per share		4,961,972		4,897,281
Earnings per common share	$	0.96	$	1.03