INCOME TAXES (Details 3) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Income Taxes Details 3
State Net Operating Loss Carryforward	$ 32,307	$ 26,101
Allowance for loan losses	1,098,416	987,589
Other	88,991	38,550
Total gross deferred tax assets	1,219,714	1,052,240
Less valuation allowance	32,307	26,101
Net deferred tax assets	1,187,407	1,026,139
Deferred tax liabilities:
Prepaid expenses	(19,100)	(25,071)
Unrealized gain on securities available for sale	(1,292,117)	(1,182,650)
Deferred loan fees	(20,470)	(20,115)
Fixed assets, principally due to differences in depreciation	(48,414)	(65,137)
Other Bond Accretion	(27,750)	(27,750)
Total gross deferred tax liabilities	(1,407,851)	(1,320,723)
Net deferred tax liability	$ (220,444)	$ (294,584)