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Financial Instruments with Off-Balance Sheet Risk (Tables)

12 Months Ended

Dec. 31, 2012

Financial Instruments with Off-Balance-Sheet Risk [Abstract]

Contractual Amounts Represent Credit Risk

		2012				2011
Commitments to extend credit:
Future loan commitments		$	16,601,019			$	91,250,740
Home equity lines of credit			30,044,312				28,947,854
Unused lines of credit			39,652,231				17,877,138
Undisbursed construction loans			3,233,322				1,796,965
Financial standby letters of credit			7,000				532,000
		$	89,537,884			$	140,404,697

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Schedule of commitment to extended credit.

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