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Consolidated Balance Sheets (USD $)
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Assets      
Cash and due from banks $ 9,332,087 $ 6,877,110 $ 6,492,313
Interest-bearing deposits in other financial institutions 6,627,394 2,422,579 1,567,673
Federal funds sold 2,669,101 653,901 940,317
Cash and cash equivalents 18,628,582 9,953,590 9,000,303
Investment securities available for sale, at fair value 100,490,267 102,866,555 87,268,359
Federal Home Loan Bank stock, at cost 1,448,000 1,520,400 1,745,100
Maryland Financial Bank stock 30,000 30,000 100,000
Ground rents, at cost 175,200 175,200 178,200
Loans, less allowance for credit losses 2012 $3,307,920; 2011 $3,930,924; 2010 $3,399,516; 249,631,525 232,734,257 229,850,888
Premises and equipment, at cost, less accumulated depreciation 3,873,002 4,107,707 4,123,616
Accrued interest receivable on loans and investment securities 1,450,321 1,541,519 1,538,883
Deferred income tax benefits 1,235,255 1,680,899 3,348,974
Other real estate owned 478,190 1,110,696 215,000
Cash value of life insurance 8,680,519 8,433,155 7,954,062
Other assets 1,317,408 1,106,285 1,743,891
Total assets 387,438,269 365,260,263 347,067,276
Deposits:      
Noninterest-bearing 84,288,485 73,339,463 68,056,159
Interest-bearing 248,000,401 238,605,198 226,388,669
Total deposits 332,288,886 311,944,661 294,444,828
Short-term borrowings 0 254,749 4,273,948
Long-term borrowings 20,000,000 20,000,000 20,000,000
Dividends payable 0 271,791 231,579
Accrued interest payable on deposits 28,365 48,101 55,131
Other liabilities 1,533,353 1,530,131 1,729,144
Total liabilities 353,850,604 334,049,433 320,734,630
Commitments and contingencies         
Stockholders' equity:      
Common stock, par value $1, authorized 15,000,000 shares; issued and outstanding 2012 2,736,978 shares; 2011 2,717,909 shares; 2010 2,702,091 shares; 2,736,978 2,717,909 2,702,091
Surplus 9,604,906 9,437,605 9,334,810
Retained earnings 18,783,164 17,209,386 15,300,344
Accumulated other comprehensive income (loss), net of tax 2,462,617 1,845,930 (1,004,599)
Total stockholders' equity 33,587,665 31,210,830 26,332,646
Total liabilities and stockholders' equity $ 387,438,269 $ 365,260,263 $ 347,067,276