LOANS (Details Narrative) (USD $)					12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2012 New Troubled Debt Restructurings N	Dec. 31, 2011 New Troubled Debt Restructurings N	Dec. 31, 2012 Real Estate Related	Dec. 31, 2012 Offices and Clinics of Medical Doctors	Dec. 31, 2012 Real Estate Agents and Managers	Dec. 31, 2012 Legal Services	Dec. 31, 2012 Offices of Dentists
Impaired Loans	$ 11,498,279	$ 7,417,892
Loans Receivable on Non-Accrual	3,993,816	923,671
Troubled debt restructurings	1,618,278	491,153	1,101,474	486,804
Concentration of loan portfolio					38.40%	5.53%	3.78%	3.20%	1.46%
Modification Number of Contracts			3	2
Troubled Debt Restructurings That Subsequently Defaulted Modification, Number of Contracts				1
Troubled Debt Restructurings That Subsequently Defaulted Post-Modification Outstanding Recorded Investment				$ 153,015