DEPOSITS (Details Narrative) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Deposits Details Narrative
Certificates of deposit $100,000 and over	$ 40,903,886	$ 38,638,528	$ 45,523,280
Interest expense on certificates of deposit	200,415	377,839	540,048
Deposits with deficit balance reclassified as other loans	$ 541,015	$ 55,374