LOANS AND ALLOWANCE - breakdown of loans (Details) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Dec. 31, 2010
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	$ 257,622		$ 257,099
Allowance for loan losses	(3,642)		(4,003)
Total loans, net	253,980		253,096
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Construction	6,753		8,308
1-4 family residential	111,330		111,198
Multi-family residential	18,267		18,582
Nonresidential real estate and agricultural land	101,512		83,284
Land (not used for agricultural purposes)	16,540		19,081
Commercial	19,414		17,349
Consumer and other	3,668		3,840
Total loans, gross	277,484		261,642
Unamortized deferred loan costs	490		481
Undisbursed loans in process	(20,352)		(5,024)
Allowance for loan losses	(3,642)	(3,521)	(4,003)	(3,780)	(3,589)	(3,806)
Total loans, net	253,980		253,096
Loans Receivable | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	6,753		8,308
Allowance for loan losses	(26)	(4)	(23)	(21)	(32)	(35)
Loans Receivable | One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	111,330		111,198
Allowance for loan losses	(1,345)	(1,390)	(1,986)	(1,647)	(1,088)	(746)
Loans Receivable | Multi-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	18,267		18,582
Allowance for loan losses	(288)	(283)	(65)	(131)	(108)	(138)
Loans Receivable | Nonresidential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	101,512		83,284
Allowance for loan losses	(1,293)	(1,091)	(822)	(914)	(1,226)	(1,632)
Loans Receivable | Land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	16,540		19,081
Allowance for loan losses	(585)	(730)	(993)	(913)	(959)	(976)
Loans Receivable | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	19,414		17,349
Allowance for loan losses	(90)	(8)	(70)	(86)	(113)	(157)
Loans Receivable | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	3,668		3,840
Allowance for loan losses	$ (15)	$ (15)	$ (44)	$ (68)	$ (63)	$ (122)