FAIR VALUE MEASUREMENTS (Estimated Fair Values and Related Carrying or Notional Amounts of Financial Instruments) (Details) (USD $)	Jun. 30, 2013	Dec. 31, 2012
Financial assets:
Securities available for sale	$ 48,392,643	$ 50,763,551
Securities held to maturity	2,495,000	2,570,000
Level 1 [Member]
Financial assets:
Cash and cash equivalents	6,325,000	2,752,000
Securities available for sale
Securities held to maturity
Loans held for sale
Loans receivable - net
Federal Home Loan Bank stock
Accrued interest receivable
Financial liabilities:
Customer deposits
Federal Home Loan Bank advances
REPO sweep accounts
Accrued interest payable
Level 2 [Member]
Financial assets:
Cash and cash equivalents
Securities available for sale	48,393,000	50,764,000
Securities held to maturity	2,495,000	2,570,000
Loans held for sale
Loans receivable - net
Federal Home Loan Bank stock	3,266,000	3,266,000
Accrued interest receivable	899,000	970,000
Financial liabilities:
Customer deposits	163,225,000	159,335,000
Federal Home Loan Bank advances	23,689,000	26,493,000
REPO sweep accounts	3,574,000	3,183,000
Accrued interest payable	84,000	100,000
Level 3 [Member]
Financial assets:
Cash and cash equivalents
Securities available for sale
Securities held to maturity
Loans held for sale	486,000	84,000
Loans receivable - net	140,234,000	140,877,000
Federal Home Loan Bank stock
Accrued interest receivable
Financial liabilities:
Customer deposits
Federal Home Loan Bank advances
REPO sweep accounts
Accrued interest payable
Carrying Value [Member]
Financial assets:
Cash and cash equivalents	6,325,000	2,752,000
Securities available for sale	48,393,000	50,764,000
Securities held to maturity	2,305,000	2,345,000
Loans held for sale	423,000	79,000
Loans receivable - net	139,260,000	138,912,000
Federal Home Loan Bank stock	3,266,000	3,266,000
Accrued interest receivable	899,000	970,000
Financial liabilities:
Customer deposits	161,347,000	158,350,000
Federal Home Loan Bank advances	24,112,000	26,358,000
REPO sweep accounts	3,574,000	3,183,000
Accrued interest payable	84,000	100,000
Total Estimated Fair Value [Member]
Financial assets:
Cash and cash equivalents	6,325,000	2,752,000
Securities available for sale	48,393,000	50,764,000
Securities held to maturity	2,495,000	2,570,000
Loans held for sale	486,000	84,000
Loans receivable - net	140,234,000	140,877,000
Federal Home Loan Bank stock	3,266,000	3,266,000
Accrued interest receivable	899,000	970,000
Financial liabilities:
Customer deposits	163,225,000	159,335,000
Federal Home Loan Bank advances	23,689,000	26,493,000
REPO sweep accounts	3,574,000	3,183,000
Accrued interest payable	$ 84,000	$ 100,000