10. REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2012

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

									To be well-capitalized
					For capital				under prompt corrective
	Actual				adequacy purposes				action provisions
		Amount	Ratio			Amount	Ratio			Amount	Ratio
As of December 31, 2012:
Tier 1 Capital (to Average Assets)	$	25,455,000	9.65	%	$	10,155,155	4.00	%	$	13,193,943	5.00	%
Tier 1 Capital (to Risk Weighted Assets)		25,455,000	26.03			3,911,960	4.00			5,867,940	6.00
Total Capital (to Risk Weighted Assets)		26,684,000	27.28			7,823,920	8.00			9,779,900	10.00

									To be well-capitalized
					For capital				under prompt corrective
	Actual				adequacy purposes				action provisions
		Amount	Ratio			Amount	Ratio			Amount	Ratio
As of December 31, 2011:
Tier 1 Capital (to Average Assets)	$	25,137,000	10.30	%	$	9,761,983	4.00	%	$	12,202,479	5.00	%
Tier 1 Capital (to Risk Weighted Assets)		25,137,000	26.65			3,773,200	4.00			5,659,800	6.00
Total Capital (to Risk Weighted Assets)		26,318,000	27.90			7,546,400	8.00			9,433,000	10.00