SECURITIES AVAILABLE FOR SALE (Details) (USD $)	9 Months Ended
	Sep. 30, 2013 item	Dec. 31, 2012 item
Securities available for sale
Amortized Cost	$ 111,843,126	$ 86,381,381
Gross Unrealized Gains	841,772	2,016,034
Gross Unrealized (Losses)	(2,859,571)	(117,335)
Fair Value	109,825,327	88,280,080
Unrealized losses and fair value
Less than 12 Months, Fair Value	69,305,899	22,271,625
Less than 12 Months, Unrealized Losses	(2,801,185)	(113,101)
12 Months or More, Fair Value	2,163,098	329,715
12 Months or More, Unrealized Losses	(58,386)	(4,234)
Total Fair Value	71,468,997	22,601,340
Total Unrealized Losses	(2,859,571)	(117,335)
Number of securities in an unrealized loss position	91	23
Increase in number of securities in an unrealized loss position	68
U.S. government agency obligations
Securities available for sale
Amortized Cost	33,289,782	19,596,009
Gross Unrealized Gains	37,910	212,845
Gross Unrealized (Losses)	(989,282)	(15,352)
Fair Value	32,338,410	19,793,502
Unrealized losses and fair value
Less than 12 Months, Fair Value	24,554,823	1,490,123
Less than 12 Months, Unrealized Losses	(989,282)	(15,352)
Total Fair Value	24,554,823	1,490,123
Total Unrealized Losses	(989,282)	(15,352)
Number of securities in an unrealized loss position	16
State and municipal securities
Securities available for sale
Amortized Cost	43,183,706	35,068,040
Gross Unrealized Gains	564,238	1,375,995
Gross Unrealized (Losses)	(1,287,982)	(40,112)
Fair Value	42,459,962	36,403,923
Unrealized losses and fair value
Less than 12 Months, Fair Value	22,919,534	6,952,889
Less than 12 Months, Unrealized Losses	(1,287,982)	(40,112)
Total Fair Value	22,919,534	6,952,889
Total Unrealized Losses	(1,287,982)	(40,112)
Number of securities in an unrealized loss position	51
Other securities
Securities available for sale
Amortized Cost	248,501	248,501
Fair Value	248,501	248,501
Certificate of Deposit
Securities available for sale
Amortized Cost	245,000	245,000
Fair Value	245,000	245,000
Mortgage-backed: residential
Securities available for sale
Amortized Cost	35,121,137	31,468,831
Gross Unrealized Gains	239,624	427,194
Gross Unrealized (Losses)	(582,307)	(61,871)
Fair Value	34,778,454	31,834,154
Unrealized losses and fair value
Less than 12 Months, Fair Value	21,831,542	13,828,613
Less than 12 Months, Unrealized Losses	(523,921)	(57,637)
12 Months or More, Fair Value	2,163,098	329,715
12 Months or More, Unrealized Losses	(58,386)	(4,234)
Total Fair Value	23,994,640	14,158,328
Total Unrealized Losses	$ (582,307)	$ (61,871)
Number of securities in an unrealized loss position	24