FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) (USD $)	Mar. 31, 2013	Dec. 31, 2012
Unused commitments to extend credit and standby letters of credit
Total	$ 16,500,028
Unfunded commitments
Unused commitments to extend credit and standby letters of credit
Total	75,000
Commitments to extend credit
Unused commitments to extend credit and standby letters of credit
Total	16,081,970	15,191,625
Standby letters of credit
Unused commitments to extend credit and standby letters of credit
Total	$ 418,058	$ 399,041