FAIR VALUE MEASUREMENT (Details 3) (USD $)	Jun. 30, 2012	Dec. 31, 2011
Financial assets:
Cash and cash equivalents at carrying value	$ 55,613,851	$ 25,361,937
Investment securities at carrying value	151,429,595	143,503,848	[1]
Federal Home Loan Bank stock at carrying value	2,931,200	8,669,300	[1]
Mortgage loans held for sale at carrying value	3,226,180	3,841,412	[1]
Loans held for investment, net at carrying value	506,171,299	552,650,060	[1]
Accrued interest receivable at carrying value	5,290,481	2,801,634
Cash and cash equivalents	55,613,851	25,361,937
Investment securities	151,429,595	143,503,848
Federal Home Loan Bank stock	2,931,200	8,669,300
Mortgage loans held for sale	3,226,180	3,841,412
Loans, net	508,399,299	552,650,060
Accrued interest receivable	5,290,481	2,801,634
Financial liabilities:
Deposits at carrying value	659,508,174	674,418,586	[1]
Long-term debt at carrying value	12,288,258	12,215,901	[1]
Interest rate swaps at carrying value	191,866	330,114
Accrued interest payable at carrying value	871,398	779,784
Deposits	662,064,174	674,418,586
Long-term debt	12,410,257	12,215,901
Interest rate swaps	191,866	330,114
Accrued interest payable	871,398	779,784
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and cash equivalents	55,613,851
Investment securities	718,475
Federal Home Loan Bank stock	0
Mortgage loans held for sale	0
Loans, net	0
Accrued interest receivable	0
Financial liabilities:
Deposits	0
Long-term debt	0
Interest rate swaps	0
Accrued interest payable	0
Fair Value, Inputs, Level 2 [Member]
Financial assets:
Cash and cash equivalents	0
Investment securities	150,711,120
Federal Home Loan Bank stock	2,931,200
Mortgage loans held for sale	3,226,180
Loans, net	0
Accrued interest receivable	5,290,481
Financial liabilities:
Deposits	662,064,174
Long-term debt	0
Interest rate swaps	191,866
Accrued interest payable	871,398
Fair Value, Inputs, Level 3 [Member]
Financial assets:
Cash and cash equivalents	0
Investment securities	0
Federal Home Loan Bank stock	0
Mortgage loans held for sale	0
Loans, net	508,399,299
Accrued interest receivable	0
Financial liabilities:
Deposits	0
Long-term debt	12,410,257
Interest rate swaps	0
Accrued interest payable	$ 0

[1] Derived from audited consolidated financial statements.