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LOANS (Details 6) (USD $)
12 Months Ended
Dec. 31, 2012
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Dec. 31, 2011
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Troubled Debt Restructurings:    
Amount of allocations of specific reserves $ 584,810 $ 1,275,718
Amount of loans to customers whose loan terms have been modified 8,934,496 9,349,510
Number of Contracts 10 10
Pre-Modification Outstanding Recorded Investment 5,484,804 11,385,750
Post-Modification Outstanding Recorded Investment 4,457,649 10,204,615
Net increase (decrease) in the allowance for loan losses (26,610) 1,275,718
Charge-offs 312,682 1,181,135
Net increase in the allowance for loan losses 14,407  
Minimum
   
Troubled Debt Restructurings:    
Modification period 6 months  
Maximum
   
Troubled Debt Restructurings:    
Modification period 1 year  
Real estate loans
   
Troubled Debt Restructurings:    
Number of Contracts 10 7
Pre-Modification Outstanding Recorded Investment 5,484,804 10,991,015
Post-Modification Outstanding Recorded Investment 4,457,649 9,809,880
Number of Contracts 1  
Recorded Investment 303,503  
Real estate loans | One-to-four family
   
Troubled Debt Restructurings:    
Number of Contracts 4 2
Pre-Modification Outstanding Recorded Investment 447,799 1,025,174
Post-Modification Outstanding Recorded Investment 444,508 1,025,174
Number of Contracts 1  
Recorded Investment 303,503  
Real estate loans | Multi-family
   
Troubled Debt Restructurings:    
Number of Contracts 1 2
Pre-Modification Outstanding Recorded Investment 449,055 5,894,771
Post-Modification Outstanding Recorded Investment 215,963 5,894,771
Real estate loans | Commercial
   
Troubled Debt Restructurings:    
Number of Contracts 3 1
Pre-Modification Outstanding Recorded Investment 2,978,384 657,933
Post-Modification Outstanding Recorded Investment 2,702,490 657,933
Real estate loans | Construction and land
   
Troubled Debt Restructurings:    
Number of Contracts 2 2
Pre-Modification Outstanding Recorded Investment 1,609,566 3,413,137
Post-Modification Outstanding Recorded Investment 1,094,688 2,232,002
Commercial business
   
Troubled Debt Restructurings:    
Number of Contracts   1
Pre-Modification Outstanding Recorded Investment   55,998
Post-Modification Outstanding Recorded Investment   55,998
Consumer | Home equity
   
Troubled Debt Restructurings:    
Number of Contracts   2
Pre-Modification Outstanding Recorded Investment   338,737
Post-Modification Outstanding Recorded Investment   $ 338,737