LOANS (Details 5) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Unpaid Contractual Principal Balance
With no related allowance recorded	$ 8,599,175		$ 8,599,175		$ 8,517,878
With an allowance recorded	2,843,775		2,843,775		5,187,080
Total	11,442,950		11,442,950		13,704,958
Recorded Investment
With no related allowance recorded	5,910,166		5,910,166		6,029,043
With an allowance recorded	2,460,215		2,460,215		5,187,080
Total	8,370,381		8,370,381		11,216,123
Allowance for Loan Losses Allocated
With an allowance recorded	436,044		436,044		832,400
Average Recorded Investment
With no related allowance recorded	5,806,039	6,056,774	6,068,543	5,504,035
With an allowance recorded	3,236,753	6,037,016	3,952,373	9,445,131
Total	9,042,792	12,093,790	10,020,916	14,949,166
Interest Income Recognized
With no related allowance recorded	10,966	6,469	10,966	19,881
With an allowance recorded	2,318		2,548	41,453
Total	13,284	6,469	13,514	61,334
Real estate loans
Unpaid Contractual Principal Balance
With no related allowance recorded	8,396,511		8,396,511		8,357,903
With an allowance recorded	2,520,280		2,520,280		4,891,331
Recorded Investment
With no related allowance recorded	5,717,830		5,717,830		5,869,068
With an allowance recorded	2,136,720		2,136,720		4,891,331
Allowance for Loan Losses Allocated
With an allowance recorded	231,976		231,976		778,997
Average Recorded Investment
With no related allowance recorded	5,650,473	5,775,882	5,911,336	5,061,027
With an allowance recorded	2,856,826	5,426,474	3,604,963	8,701,404
Interest Income Recognized
With no related allowance recorded	10,651	5,900	10,651	18,956
With an allowance recorded				40,321
Real estate loans | One-to-four family
Unpaid Contractual Principal Balance
With no related allowance recorded	1,521,393		1,521,393		494,195
With an allowance recorded	1,311,217		1,311,217		1,566,121
Recorded Investment
With no related allowance recorded	1,250,344		1,250,344		494,195
With an allowance recorded	1,111,041		1,111,041		1,566,121
Allowance for Loan Losses Allocated
With an allowance recorded	84,846		84,846		210,336
Average Recorded Investment
With no related allowance recorded	1,146,644	883,460	1,040,242	908,408
With an allowance recorded	1,197,003	601,068	1,104,666	842,127
Interest Income Recognized
With no related allowance recorded	517		517	8,634
With an allowance recorded				604
Real estate loans | Multi-family
Unpaid Contractual Principal Balance
With no related allowance recorded	3,049,493		3,049,493		367,883
With an allowance recorded					2,789,808
Recorded Investment
With no related allowance recorded	2,415,095		2,415,095		215,963
With an allowance recorded					2,789,808
Allowance for Loan Losses Allocated
With an allowance recorded					533,849
Average Recorded Investment
With no related allowance recorded	1,322,609	110,267	773,675	171,665
With an allowance recorded	1,106,998	3,206,090	1,930,451	3,304,568
Interest Income Recognized
With an allowance recorded				27,971
Real estate loans | Commercial
Unpaid Contractual Principal Balance
With no related allowance recorded	809,404		809,404		3,015,172
With an allowance recorded	1,209,063		1,209,063		535,402
Recorded Investment
With no related allowance recorded	809,404		809,404		2,702,491
With an allowance recorded	1,025,679		1,025,679		535,402
Allowance for Loan Losses Allocated
With an allowance recorded	147,130		147,130		34,812
Average Recorded Investment
With no related allowance recorded	1,730,282	2,774,179	2,329,088	1,880,889
With an allowance recorded	552,825	541,666	569,846	1,622,268
Interest Income Recognized
With no related allowance recorded	10,134		10,134
With an allowance recorded				8,000
Real estate loans | Construction and land
Unpaid Contractual Principal Balance
With no related allowance recorded	3,016,221		3,016,221		4,480,653
Recorded Investment
With no related allowance recorded	1,242,987		1,242,987		2,456,419
Average Recorded Investment
With no related allowance recorded	1,450,938	2,007,976	1,768,331	2,100,065
With an allowance recorded		1,077,650		2,932,441
Interest Income Recognized
With no related allowance recorded		5,900		10,322
With an allowance recorded				3,746
Commercial business
Unpaid Contractual Principal Balance
With no related allowance recorded	68,150		68,150		2,562
With an allowance recorded	293,448		293,448		257,896
Recorded Investment
With no related allowance recorded	57,822		57,822		2,562
With an allowance recorded	293,448		293,448		257,896
Allowance for Loan Losses Allocated
With an allowance recorded	203,612		203,612		22,713
Average Recorded Investment
With no related allowance recorded	28,911	137,408	15,096	179,918
With an allowance recorded	342,867	556,251	311,683	677,244
Interest Income Recognized
With no related allowance recorded		569		925
With an allowance recorded	2,318		2,548	1,132
Consumer
Unpaid Contractual Principal Balance
With no related allowance recorded	134,514		134,514		157,413
With an allowance recorded	30,047		30,047		37,853
Recorded Investment
With no related allowance recorded	134,514		134,514		157,413
With an allowance recorded	30,047		30,047		37,853
Allowance for Loan Losses Allocated
With an allowance recorded	456		456		30,690
Average Recorded Investment
With no related allowance recorded	126,655	143,484	142,111	263,090
With an allowance recorded	37,060	54,291	35,727	66,483
Interest Income Recognized
With no related allowance recorded	315		315
Consumer | Home equity
Unpaid Contractual Principal Balance
With no related allowance recorded	134,514		134,514		157,413
With an allowance recorded	30,047		30,047		28,118
Recorded Investment
With no related allowance recorded	134,514		134,514		157,413
With an allowance recorded	30,047		30,047		28,118
Allowance for Loan Losses Allocated
With an allowance recorded	456		456		28,118
Average Recorded Investment
With no related allowance recorded	126,655	141,763	140,974	262,230
With an allowance recorded	37,060	51,578	32,347	65,126
Interest Income Recognized
With no related allowance recorded	315		315
Consumer | Automobile and other
Unpaid Contractual Principal Balance
With an allowance recorded					9,735
Recorded Investment
With an allowance recorded					9,735
Allowance for Loan Losses Allocated
With an allowance recorded					2,572
Average Recorded Investment
With no related allowance recorded		1,721	1,137	860
With an allowance recorded		$ 2,713	$ 3,380	$ 1,357