LOANS (Details 2) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Loans Receivable on Non-Accrual	$ 3,993,816	$ 923,671
Commercial
Loans Receivable on Non-Accrual	4,085	4,018
Commercial Real Estate Construction
Loans Receivable on Non-Accrual
Commercial Real Estate Other
Loans Receivable on Non-Accrual	3,921,750	851,672
Consumer Real Estate
Loans Receivable on Non-Accrual	67,981	67,981
Consumer Other
Loans Receivable on Non-Accrual