LOANS RECEIVABLE (Details 4) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012
LOANS RECEIVABLE
Impaired loans without a valuation allowance	$ 46,446,814	$ 47,974,172
Impaired loans with a valuation allowance	9,510,909	8,614,639
Total impaired loans	55,957,723	56,588,811
Valuation allowance related to impaired loans	2,155,208	2,167,265
Average of impaired loans during the period	63,392,482	62,434,844
Total nonaccrual loans	26,500,634	23,118,345
Total loans considered impaired which are classified as troubled debt restructurings	$ 33,391,612	$ 34,929,918	$ 34,757,588