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PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS (Details Narrative) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Premises Equipment And Leasehold Improvements Details Narrative
Depreciation	$ 206,603	$ 209,316	$ 231,922

The current period expense charged against earnings on long-lived, physical assets not used in production, and which are not intended for resale, to allocate or recognize the cost of such assets over their useful lives; or to record the reduction in book value of an intangible asset over the benefit period of such asset; or to reflect consumption during the period of an asset that is not used in production.

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