LOANS (Details 3) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Changes in allowance for loan losses
Beginning Balance	$ 5,478,698	$ 5,865,022	$ 5,944,585	$ 7,789,262
Charge-offs	(258,857)	(617,020)	(1,357,190)	(3,603,924)
Recoveries	283,762	21,420	466,208	284,084
Provision	35,000	400,000	485,000	1,200,000
Ending Balance	5,538,603	5,669,422	5,538,603	5,669,422
Period-end allowance allocated to loans:
Individually evaluated for impairment	436,044		436,044		832,400
Collectively evaluated for impairment	5,102,559		5,102,559		5,112,185
Ending Balance	5,538,603	5,669,422	5,538,603	5,669,422
Loans evaluated for impairment:
Individually	8,370,381		8,370,381		11,216,123
Collectively	367,702,002		367,702,002		397,024,411
Total	376,072,383		376,072,383		408,240,534
Real estate loans
Changes in allowance for loan losses
Beginning Balance	4,157,142	4,692,130	4,486,671	6,648,837
Charge-offs	(248,529)	(233,445)	(1,201,493)	(2,962,119)
Recoveries	261,509	11,619	435,985	272,087
Provision	166,244	(165,226)	615,203	346,273
Ending Balance	4,336,366	4,305,078	4,336,366	4,305,078
Period-end allowance allocated to loans:
Individually evaluated for impairment	231,976		231,976		778,998
Collectively evaluated for impairment	4,104,390		4,104,390		3,707,673
Ending Balance	4,336,366	4,305,078	4,336,366	4,305,078
Loans evaluated for impairment:
Individually	7,854,550		7,854,550		10,760,399
Collectively	292,310,518		292,310,518		312,704,036
Total	300,165,068		300,165,068		323,464,435
Real estate loans | One-to-four family
Changes in allowance for loan losses
Beginning Balance	1,011,386	629,183	847,285	777,470
Charge-offs	(199,030)	(54,664)	(502,265)	(263,026)
Recoveries	418	504	17,036	1,172
Provision	122,716	84,682	573,434	144,089
Ending Balance	935,490	659,705	935,490	659,705
Period-end allowance allocated to loans:
Individually evaluated for impairment	84,846		84,846		210,336
Collectively evaluated for impairment	850,644		850,644		636,949
Ending Balance	935,490	659,705	935,490	659,705
Loans evaluated for impairment:
Individually	2,361,385		2,361,385		2,060,316
Collectively	111,132,236		111,132,236		110,290,077
Total	113,493,621		113,493,621		112,350,393
Real estate loans | Multi-family
Changes in allowance for loan losses
Beginning Balance	559,998	690,986	958,303	779,680
Charge-offs			(482,478)
Recoveries				34,312
Provision	92,785	(131,373)	176,958	(254,379)
Ending Balance	652,783	559,613	652,783	559,613
Period-end allowance allocated to loans:
Individually evaluated for impairment					533,850
Collectively evaluated for impairment	652,783		652,783		424,453
Ending Balance	652,783	559,613	652,783	559,613
Loans evaluated for impairment:
Individually	2,415,095		2,415,095		3,005,771
Collectively	38,992,850		38,992,850		39,197,441
Total	41,407,945		41,407,945		42,203,212
Real estate loans | Commercial
Changes in allowance for loan losses
Beginning Balance	1,073,664	1,117,029	1,268,081	1,157,114
Charge-offs	(49,499)	(178,781)	(216,750)	(576,046)
Recoveries	204,091	4,946	204,681	221,287
Provision	210,213	61,992	182,457	202,831
Ending Balance	1,438,469	1,005,186	1,438,469	1,005,186
Period-end allowance allocated to loans:
Individually evaluated for impairment	147,130		147,130		34,812
Collectively evaluated for impairment	1,291,339		1,291,339		1,233,269
Ending Balance	1,438,469	1,005,186	1,438,469	1,005,186
Loans evaluated for impairment:
Individually	1,835,083		1,835,083		3,237,893
Collectively	122,136,383		122,136,383		135,528,980
Total	123,971,466		123,971,466		138,766,873
Real estate loans | Construction and land
Changes in allowance for loan losses
Beginning Balance	1,512,094	2,254,932	1,413,002	3,934,573
Charge-offs				(2,123,047)
Recoveries	57,000	6,169	214,268	15,316
Provision	(259,470)	(180,527)	(317,646)	253,732
Ending Balance	1,309,624	2,080,574	1,309,624	2,080,574
Period-end allowance allocated to loans:
Collectively evaluated for impairment	1,309,624		1,309,624		1,413,002
Ending Balance	1,309,624	2,080,574	1,309,624	2,080,574
Loans evaluated for impairment:
Individually	1,242,987		1,242,987		2,456,419
Collectively	20,049,049		20,049,049		27,687,538
Total	21,292,036		21,292,036		30,143,957
Commercial business
Changes in allowance for loan losses
Beginning Balance	1,195,622	968,829	1,296,114	969,669
Charge-offs	(10,328)	(383,575)	(135,114)	(549,749)
Recoveries	15,997	9,801	23,967	11,997
Provision	(116,554)	595,069	(100,230)	758,207
Ending Balance	1,084,737	1,190,124	1,084,737	1,190,124
Period-end allowance allocated to loans:
Individually evaluated for impairment	203,612		203,612		22,713
Collectively evaluated for impairment	881,125		881,125		1,273,401
Ending Balance	1,084,737	1,190,124	1,084,737	1,190,124
Loans evaluated for impairment:
Individually	351,270		351,270		260,458
Collectively	62,434,643		62,434,643		70,990,624
Total	62,785,913		62,785,913		71,251,082
Consumer
Changes in allowance for loan losses
Beginning Balance	125,934	204,063	161,800	170,756
Charge-offs			(20,583)	(92,056)
Recoveries	6,256		6,256
Provision	(14,690)	(29,843)	(29,973)	95,520
Ending Balance	117,500	174,220	117,500	174,220
Period-end allowance allocated to loans:
Individually evaluated for impairment	456		456		30,689
Collectively evaluated for impairment	117,044		117,044		131,111
Ending Balance	117,500	174,220	117,500	174,220
Loans evaluated for impairment:
Individually	164,561		164,561		195,266
Collectively	12,956,841		12,956,841		13,329,751
Total	13,121,402		13,121,402		13,525,017
Consumer | Home equity
Changes in allowance for loan losses
Beginning Balance	120,776	189,091	151,625	133,234
Charge-offs			(13,009)	(92,056)
Recoveries	233		233
Provision	(7,720)	(20,671)	(25,560)	127,242
Ending Balance	113,289	168,420	113,289	168,420
Period-end allowance allocated to loans:
Individually evaluated for impairment	456		456		28,117
Collectively evaluated for impairment	112,833		112,833		123,508
Ending Balance	113,289	168,420	113,289	168,420
Loans evaluated for impairment:
Individually	164,561		164,561		185,531
Collectively	11,452,062		11,452,062		11,876,577
Total	11,616,623		11,616,623		12,062,108
Consumer | Automobile and other
Changes in allowance for loan losses
Beginning Balance	5,158	14,972	10,175	37,522
Charge-offs			(7,574)
Recoveries	6,023		6,023
Provision	(6,970)	(9,172)	(4,413)	(31,722)
Ending Balance	4,211	5,800	4,211	5,800
Period-end allowance allocated to loans:
Individually evaluated for impairment					2,572
Collectively evaluated for impairment	4,211		4,211		7,603
Ending Balance	4,211	5,800	4,211	5,800
Loans evaluated for impairment:
Individually					9,735
Collectively	1,504,779		1,504,779		1,453,174
Total	$ 1,504,779		$ 1,504,779		$ 1,462,909