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LOANS (Details 6) (USD $)
3 Months Ended 9 Months Ended
Sep. 30, 2013
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Sep. 30, 2012
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Sep. 30, 2013
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Sep. 30, 2012
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Dec. 31, 2012
Troubled Debt Restructurings:          
Amount of allocations of specific reserves $ 340,380   $ 340,380   $ 584,810
Amount of loans to customers whose loan terms have been modified 6,559,796   6,559,796   8,934,496
Commitments to lend additional amounts 0   0   0
Number of loan terms modified in troubled debt restructurings 6 0 11 6  
Number of Contracts 6   11    
Pre-Modification Outstanding Recorded Investment 1,019,972   1,243,886    
Post-Modification Outstanding Recorded Investment 1,018,238   1,237,444    
Net increase (decrease) in the allowance for loan losses     252,574    
Charge-offs     500,723    
Number of Contracts 1 1 1 1  
Troubled debt restructurings which has default payment 53,152 303,503 53,152 303,503  
Net increase in the allowance for loan losses     2,289    
Charge offs     0    
Real estate loans
         
Troubled Debt Restructurings:          
Number of Contracts 4   8 6  
Pre-Modification Outstanding Recorded Investment 859,082   944,994 4,233,408  
Post-Modification Outstanding Recorded Investment 858,404   943,681 3,274,711  
Real estate loans | One-to-four family
         
Troubled Debt Restructurings:          
Number of Contracts 1   5 1  
Pre-Modification Outstanding Recorded Investment 49,678   135,590 306,794  
Post-Modification Outstanding Recorded Investment 49,000   134,277 303,503  
Number of Contracts 1 1 1 1  
Troubled debt restructurings which has default payment 53,152 303,503 53,152 303,503  
Real estate loans | Multi-family
         
Troubled Debt Restructurings:          
Number of Contracts       1  
Pre-Modification Outstanding Recorded Investment       449,055  
Post-Modification Outstanding Recorded Investment       220,535  
Real estate loans | Commercial
         
Troubled Debt Restructurings:          
Number of Contracts 3   3 3  
Pre-Modification Outstanding Recorded Investment 809,404   809,404 2,978,384  
Post-Modification Outstanding Recorded Investment 809,404   809,404 2,750,673  
Real estate loans | Construction and land
         
Troubled Debt Restructurings:          
Number of Contracts       1  
Pre-Modification Outstanding Recorded Investment       499,175  
Commercial business
         
Troubled Debt Restructurings:          
Number of Contracts 1   2    
Pre-Modification Outstanding Recorded Investment 142,112   280,114    
Post-Modification Outstanding Recorded Investment 142,112   276,041    
Consumer | Home equity
         
Troubled Debt Restructurings:          
Number of Contracts 1   1    
Pre-Modification Outstanding Recorded Investment 18,778   18,778    
Post-Modification Outstanding Recorded Investment $ 17,722   $ 17,722