SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 1) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Assets and liabilities are measured at fair value on a nonrecurring basis:
Total	$ 58,514,216	$ 59,552,160
Nonrecurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets and liabilities are measured at fair value on a nonrecurring basis:
Impaired loans
Mortgage loans held for sale
Total
Nonrecurring Basis | Significant Other Observable Inputs (Level 2)
Assets and liabilities are measured at fair value on a nonrecurring basis:
Impaired loans
Mortgage loans held for sale	18,479,878	7,578,587
Total	18,479,878	7,578,587
Nonrecurring Basis | Significant Unobservable Inputs (Level 3)
Assets and liabilities are measured at fair value on a nonrecurring basis:
Impaired loans	9,499,621	5,553,481
Mortgage loans held for sale
Total	9,499,621	5,553,481
Nonrecurring Basis | Fair Value
Assets and liabilities are measured at fair value on a nonrecurring basis:
Impaired loans	9,499,621	5,553,481
Mortgage loans held for sale	18,479,878	7,878,587
Total	$ 27,979,499	$ 13,132,068