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COMMITMENTS AND CONTINGENCIES (Details Narrative) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Rental Expense	$ 531,094	$ 526,128	$ 498,832
Commitments
Loans Held-for-sale
Commitments	18,500,000
Commitments to extend credit
Commitments	51,144,731	47,629,822
Standby Letter of Credit
Commitments	$ 749,712	$ 875,679

Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.

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