DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Cash and due from banks	$ 5,137,888	$ 4,559,194
Interest bearing deposits in other banks	25,903,960	47,504,282
Investment securities available for sale (amortized cost of $55,022,009 and $56,355,810 in 2012 and 2011, respectively)	58,514,216	59,552,160
Mortgage loans to be sold	18,479,878	7,578,587
Loans	217,128,624	213,709,112
Deposits	291,073,843	301,127,515
Commitments to extend credit
Off Balance Sheet Financial Instruments, Notional Amount	51,444,731	47,629,822
Off Balance Sheet Financial Instruments, Fair Value
Standby letters of credit
Off Balance Sheet Financial Instruments, Notional Amount	749,712	875,679
Off Balance Sheet Financial Instruments, Fair Value
Carrying Amount
Cash and due from banks	5,137,888	4,559,194
Interest bearing deposits in other banks	25,903,960	47,504,282
Investment securities available for sale (amortized cost of $55,022,009 and $56,355,810 in 2012 and 2011, respectively)	58,514,216	59,552,160
Mortgage loans to be sold	18,479,878	59,552,160
Loans	217,128,624	213,709,112
Deposits	291,073,843	301,127,515
Short-term borrowings
Fair Value
Cash and due from banks	5,137,888	4,559,194
Interest bearing deposits in other banks	25,903,960	47,504,282
Investment securities available for sale (amortized cost of $55,022,009 and $56,355,810 in 2012 and 2011, respectively)	58,514,216	59,552,160
Mortgage loans to be sold	18,479,878	59,552,160
Loans	217,432,537	214,994,224
Deposits	291,094,742	301,830,957
Short-term borrowings

Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.

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+ Details

- Definition

For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.

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- Definition

For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.

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- Definition

Carrying amount of mortgage loans to individuals not classified as held for investment but are held-for-sale.

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- Definition

Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.

+ References+ Details