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Commitments and Contingencies (Tables)
 12 Months Ended
Dec. 31, 2012
Commitments and Contingencies Disclosure [Abstract]  
Loan Commitments Unused Lines Of Credit and Letters Of Credit Outstanding

Outstanding loan commitments, unused lines of credit and letters of credit are as follows:

 

    2012     2011     2010  
Loan commitments:                        
Construction and land development   $ 822,000     $ 260,000     $ -  
Other mortgage loans     6,225,000       3,070,000       2,013,000  
                         
    $ 7,047,000     $ 3,330,000     $ 2,013,000  
Unused lines of credit:                        
Home-equity lines   $ 9,882,497     $ 9,232,242     $ 8,130,179  
Commercial lines     8,615,844       9,368,770       10,738,826  
Secured consumer line     3,002       19,175       -  
Unsecured consumer lines     687,173       753,845       808,053  
                         
    $ 19,188,516     $ 19,374,032     $ 19,677,058  
                         
Letters of credit:   $ 32,000     $ 32,000     $ 71,762