LOANS (Details 6) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Commercial
Beginning Balance	$ 1,586,510	$ 1,502,298
Charge-offs	(60,042)	(17,943)
Recoveries	109,569	42,662
Provisions	(321,502)	59,493
Ending Balance	1,314,535	1,586,510
Individually evaluated for impairment	1,392,037	1,285,480
Collectively evaluated for impairment	53,272,249	54,280,045
Commercial Real Estate
Beginning Balance	420,367	128,334
Charge-offs	(43,734)	(303,403)
Recoveries	13,228	28,838
Provisions	(109,086)	566,598
Ending Balance	280,775	420,367
Individually evaluated for impairment	8,866,004	4,947,403
Collectively evaluated for impairment	101,985,943	105,025,545
Consumer Real Estate
Beginning Balance	450,338	218,897
Charge-offs	(56,487)
Recoveries	10,000
Provisions	340,476	231,441
Ending Balance	744,327	450,338
Individually evaluated for impairment	1,190,795	1,135,267
Collectively evaluated for impairment	45,512,659	42,050,594
Consumer Other
Beginning Balance	91,402	27,200
Charge-offs	(12,025)	(62,368)
Recoveries	15,451	510
Provisions	(6,762)	126,060
Ending Balance	88,066	91,402
Individually evaluated for impairment	49,443	49,742
Collectively evaluated for impairment	4,859,494	4,935,036
Unallocated
Beginning Balance	558,267	1,061,859
Charge-offs
Recoveries
Provisions	446,874	(503,592)
Ending Balance	1,005,141	558,267
Individually evaluated for impairment
Collectively evaluated for impairment
Total
Beginning Balance	3,106,884	2,938,588
Charge-offs	(172,288)	(383,714)
Recoveries	148,248	72,010
Provisions	350,000	480,000
Ending Balance	3,432,844	3,106,884
Individually evaluated for impairment	11,498,279	7,417,892
Collectively evaluated for impairment	$ 205,630,345	$ 206,291,220