FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)	Mar. 31, 2013	Dec. 31, 2012
Financial assets:
Accrued interest receivable	$ 1,673,110	$ 1,592,307
Financial liabilities:
Non-interest bearing deposits	54,206,997	60,330,245
Interest-bearing deposits	411,312,025	400,043,801
Accrued interest payable	253,611	284,270
Quoted Prices in Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and cash equivalents	65,050,902	71,414,598
Financial liabilities:
Non-interest bearing deposits	54,206,997	60,330,245
Interest-bearing deposits	267,723,093	249,519,944
Accrued interest payable	24,581	27,481
Significant Other Observable Inputs (Level 2)
Financial assets:
Interest-earning time deposits	1,756,726	1,749,744
Accrued interest receivable	532,321	445,151
Financial liabilities:
Interest-bearing deposits	144,571,971	151,235,158
Federal Home Loan Bank advances	22,170,508	22,222,771
Securities sold under agreement to repurchase	30,962,993	34,494,579
Subordinated debentures	4,000,000	4,000,000
Accrued interest payable	229,030	256,789
Significant Unobservable Inputs (Level 3)
Financial assets:
Loans, net (excluding impaired loans at fair value)	380,992,767	398,541,271
Accrued interest receivable	1,140,789	1,147,156
Carrying Amount
Financial assets:
Cash and cash equivalents	65,050,902	71,414,598
Interest-earning time deposits	1,756,726	1,749,744
Federal Home Loan Bank stock	2,887,763	2,887,763
Loans, net (excluding impaired loans at fair value)	381,327,080	390,513,946
Accrued interest receivable	1,673,110	1,592,307
Financial liabilities:
Non-interest bearing deposits	54,206,997	60,330,245
Interest-bearing deposits	411,312,025	400,043,801
Federal Home Loan Bank advances	21,970,500	21,966,750
Securities sold under agreement to repurchase	30,962,993	34,494,579
Subordinated debentures	4,000,000	4,000,000
Accrued interest payable	253,611	284,270
Fair Value
Financial assets:
Cash and cash equivalents	65,050,902	71,414,598
Interest-earning time deposits	1,756,726	1,749,744
Loans, net (excluding impaired loans at fair value)	380,992,767	398,541,271
Accrued interest receivable	1,673,110	1,592,307
Financial liabilities:
Non-interest bearing deposits	54,206,997	60,330,245
Interest-bearing deposits	412,295,064	400,755,102
Federal Home Loan Bank advances	22,170,508	22,222,771
Securities sold under agreement to repurchase	30,962,993	34,494,579
Subordinated debentures	4,000,000	4,000,000
Accrued interest payable	$ 253,611	$ 284,270