Deposits

12 Months Ended

Dec. 31, 2011

Notes to Financial Statements

Deposits

NOTE N   DEPOSITS

Major classifications of interest bearing deposits are as follows:

	December 31,
	2011		2010
NOW Accounts	$	10,897,338	$	11,184,196
Money Market Accounts		3,697,477		3,948,540
Savings Accounts		19,841,509		20,156,625
Certificates of Deposit Greater Than $100,000		4,907,733		5,247,747
Other Certificates of Deposit		7,609,962		8,172,733
	$	46,954,019	$	48,709,841

The maturities of Certificates of Deposit Greater than $100,000 at December 31, 2011 are as follows:

Three Months or Less	$	1,042,506
After Three Months Through One Year		2,253,497
Over One Year Through Three Years		1,411,730
Over Three Years		200,000
	$	4,907,733

At December 31, 2011 and 2010, overdraft demand deposits reclassified to loans totaled $209,979 and $276,932, respectively.