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BORROWINGS (Details Narrative) (USD $)
9 Months Ended 12 Months Ended
Sep. 30, 2013
Dec. 31, 2012
Borrowings Details Narrative    
FHLB advances, maturing fully in 2020 $ 70,000 $ 70,000
Federal Home Loan Bank interest rate 0.50% 0.50%
Capital lease 20,000 20,000
Capital lease, interest rate 1.60% 1.60%
Loan participations sold   200,000
Effective interest rate of loan participations sold   4.45%
Federal funds lines of credit 1,000,000 1,000,000
Federal funds unused lines of credit $ 630,000 $ 750,000