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DEPOSITS (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
DEPOSITS    
Noninterest-bearing $ 60,330,245 $ 39,256,851
Interest-bearing transaction accounts 223,830,488 196,120,029
Savings 25,689,456 22,101,944
Time 150,523,857 157,279,459
Total deposits 460,374,046 414,758,283
Brokered deposits included in time deposits 29,201,000 32,495,000
Brokered deposits included in interest bearing transaction accounts 48,076,000 21,226,000
Interest expense on deposits    
Interest-bearing transaction accounts 1,203,755 1,816,588
Savings 115,143 153,271
Time deposits 2,514,712 3,843,362
Interest expense on deposits 3,833,610 5,813,221
Aggregate amount of certificates of deposit with a minimum denomination of $100,000 70,786,000 70,493,000
Scheduled maturities of time deposits    
Year Ending December 31, 2013 86,690,819  
Year Ending December 31, 2014 22,134,236  
Year Ending December 31, 2015 14,537,730  
Year Ending December 31, 2016 12,914,613  
Year Ending December 31, 2017 14,182,058  
Thereafter 64,401  
Time deposits $ 150,523,857 $ 157,279,459