text: ***Retirement plans:***The Company maintains a noncontributory defined benefit plan covering substantially all 
  employees. Pension benefits are based primarily on the employee's compensation and years of service. The 
  Company's policy is to fund the maximum allowable contribution calculated under federal income tax regulations. 
  During 2003, the Company adopted an Executive Supplemental Retirement Plan for selected employees. This is an 
  unfunded plan and is maintained primarily for the purpose of providing deferred compensation for a select group of 
  management or highly compensated employees. The Company also maintains a defined contribution plan under which 
  substantially all employees may defer a portion of their earnings on a pre-tax basis, up to the allowable federal 
  maximum. The Company may make matching and discretionary contributions to this plan. Neither of the funded 
  retirement plans holds Company stock in the respective portfolios. 
  
  ***Income taxes:***Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities 
  are recognized for the future tax consequences attributable to differences between financial statement carrying amounts 
  of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using 
  enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be 
  recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in 
  the period that includes the enactment date. The Company evaluates the recoverability of tax assets generated on a 
  state-by-state basis from net operating losses apportioned to that state. Management uses a more likely than not 
  threshold to make that determination and has established a valuation allowance against the deferred tax assets, in case 
  they may not be recoverable. 