8. DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2012

Deposit Liabilities, Description

	2012								2011
						Weighted								Weighted
						Average								Average
	Amount		Percent			Stated Rate			Amount		Percent			Stated Rate
Checking	$	81,881,173		34.02	%		—	%	$	72,507,555		34.01	%		—	%
Variable-rate money market		33,023,373		13.72			0.43			26,909,220		12.62			0.54
Statement savings		20,871,593		8.67			0.20			17,178,525		8.06			0.26
Interest-bearing checking		33,394,785		13.87			0.06			30,553,003		14.33			0.15
		169,170,924		70.28			0.12			147,148,303		69.02			0.16
Time deposits:
Less than six months		22,204,696		9.23			0.53			14,208,686		6.66			0.48
Six months to one year		40,848,688		16.97			0.87			44,107,482		20.69			1.08
More than one year		8,399,320		3.49			1.74			7,578,368		3.55			1.99
		71,452,704		29.69			0.87			65,894,536		30.90			1.06
Other deposits		77,578		0.03			—			180,066		0.08			—
Total	$	240,701,206		100.00	%		0.34	%	$	213,222,905		100.00	%		0.44	%

Maturities of Time Deposits, Description

	Amount		Percent
Within six months	$	58,970,068		82.53	%
Six months to one year		5,578,390		7.81
Over one year to two years		2,460,412		3.44
Over two years to three years		2,044,011		2.86
Over three years to four years		814,000		1.14
Over four years to five years		1,585,823		2.22
Total	$	71,452,704		100.00	%