7. PREPAID AND OTHER ASSETS (Detail) - (Table 1) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Accounts receivable and other assets	$ 204,008	$ 140,373
Security deposit receivable	11,200	11,200
Prepaid assets	582,672	636,822
Equity securities, primarily FHLB stock	351,500	377,500
Income tax receivable	130,007	179,059
Deferred income taxes, net	530,397	98,600
Late charges receivable	64,485	43,854
Other real estate owned	342,867	267,246
	$ 2,217,136	$ 1,754,654