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DEPOSITS (Details) (USD $)
Mar. 31, 2013
Dec. 31, 2012
Scheduled maturities of certificates of deposit    
Remaining through 2013 $ 122,490,349  
2014 28,705,070  
2015 8,284,274  
2016 60,756,441  
2017 51,558,822  
Thereafter 1,325,224  
Total 273,120,180  
Wholesale deposits $ 0 $ 0