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LOANS RECEIVABLE (Details 8) (USD $)
Mar. 31, 2013
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Dec. 31, 2012
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LOANS RECEIVABLE    
Allowance for loan losses, as a percentage of gross loans outstanding 1.97% 1.98%
Number of loans in nonaccrual status 68 66
Total nonaccrual loans $ 26,500,634 $ 23,118,345
Nonaccrual loans as a percentage of gross loans 7.80% 6.81%
Amount of loans deemed to be troubled debt restructurings 7,198,362 4,723,291
Number of loans deemed to be troubled debt restructurings not in nonaccrual status 28 31
Amount of loans not in nonaccrual status deemed to be troubled debt restructurings 26,193,250 30,200,000
Amount of loans contractually 90 days past due, and still accruing interest 0 0
Amount reserved for off-balance sheet credit exposure related to unfunded commitments 75,000 75,000
Amount of loans pledged as collateral at the Federal Home Loan Bank 42,800,000  
Loans required to be pledged to maintain line of credit with the Federal Reserve Bank $ 0