EARNINGS PER SHARE (Detail Textuals) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
Earnings Per Share [Abstract]
Net income	$ 692,000	$ 622,000	$ 1,284,000	$ 1,423,000
Dividends on preferred stock	91,000	91,000	181,000	181,000
Net income available to common stockholders	$ 601,000	$ 531,000	$ 1,103,000	$ 1,242,000
Options to purchase shares (in shares)	5,000	5,000	5,000	5,000
Exercise price (in dollares per share)	$ 22.25	$ 22.25	$ 22.25	$ 22.25