LOANS AND ALLOWANCE (Detail Textuals) (Loans Receivable, USD $)	3 Months Ended	9 Months Ended
	Sep. 30, 2012 Loans	Sep. 30, 2012 Loans	Sep. 30, 2011 Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Period of loan generally classified as nonaccrual		90 days
Total nonaccrual loans	$ 6,000,000	$ 6,000,000
Number of loans restructured	4	12	3
Loans restructured	162,000	2,436,000	260,000
Number of restructured loans placed on 30 year amortizing schedule		3
Restructured loans amount placed on 30 year amortizing schedule		1,589,000
Loan refinanced with additional collateral and provisioned	162,000	38,000
Number of restructured loans placed on short term, low-rate notes	4	8
Residual restructured borrowings placed on short term, low-rate notes		809,000
Number of troubled debt restructuring	26	26	17
Number of troubled debt restructured loans		8
Total principal balance of troubled debt restructuring	1,800,000	1,800,000
Number of loan refinanced			2
Number of individual loans consolidated provided superior collateral coverage to corporation			28
Total refinance value of two loans			2,900,000
Loan refinance for investment property			786,000
Number of loan refinance for investment property			1
Single family residence real estate owned
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of troubled debt restructuring	1	1
Loss On sale of foreclosed real estate owned		1,000
Restructured amount of loan	345,000	345,000
Final selling price of restructured loan	$ 304,000