FAIR VALUE MEASUREMENTS (Details 2) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Assets measured at fair value on a nonrecurring basis
Outstanding balance	$ 376,072,383		$ 376,072,383		$ 408,240,534
Write-downs			359,907	369,500
Principal balance	2,460,215		2,460,215		5,187,080
Valuation allowance	436,044		436,044		832,400
Real estate:
Assets measured at fair value on a nonrecurring basis
Outstanding balance	300,165,068		300,165,068		323,464,435
Principal balance	2,136,720		2,136,720		4,891,331
Valuation allowance	231,976		231,976		778,997
Real estate: | One-to-four family
Assets measured at fair value on a nonrecurring basis
Outstanding balance	113,493,621		113,493,621		112,350,393
Principal balance	1,111,041		1,111,041		1,566,121
Valuation allowance	84,846		84,846		210,336
Real estate: | Multi-family
Assets measured at fair value on a nonrecurring basis
Outstanding balance	41,407,945		41,407,945		42,203,212
Principal balance					2,789,808
Valuation allowance					533,849
Real estate: | Commercial
Assets measured at fair value on a nonrecurring basis
Outstanding balance	123,971,466		123,971,466		138,766,873
Principal balance	1,025,679		1,025,679		535,402
Valuation allowance	147,130		147,130		34,812
Real estate: | Construction and land
Assets measured at fair value on a nonrecurring basis
Outstanding balance	21,292,036		21,292,036		30,143,957
Commercial business
Assets measured at fair value on a nonrecurring basis
Outstanding balance	62,785,913		62,785,913		71,251,082
Principal balance	293,448		293,448		257,896
Valuation allowance	203,612		203,612		22,713
Consumer
Assets measured at fair value on a nonrecurring basis
Outstanding balance	13,121,402		13,121,402		13,525,017
Principal balance	30,047		30,047		37,853
Valuation allowance	456		456		30,690
Consumer | Automobile and other
Assets measured at fair value on a nonrecurring basis
Outstanding balance	1,504,779		1,504,779		1,462,909
Principal balance					9,735
Valuation allowance					2,572
Consumer | Home Equity
Assets measured at fair value on a nonrecurring basis
Outstanding balance	11,616,623		11,616,623		12,062,108
Principal balance	30,047		30,047		28,118
Valuation allowance	456		456		28,118
Impaired loans:
Assets measured at fair value on a nonrecurring basis
Principal balance	2,460,215		2,460,215		5,187,080
Valuation allowance	436,044		436,044		832,400
Increase or decrease in provision for loan losses	36,160	323,000	302,351	614,000
Non-recurring basis | Foreclosed assets:
Assets measured at fair value on a nonrecurring basis
Outstanding balance	4,818,317		4,818,317		4,342,988
Cumulative write-downs			1,120,907		661,000
Write-downs	86,500	40,000	359,907	369,500
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate:
Assets measured at fair value on a nonrecurring basis
Fair Value	3,697,410		3,697,410		3,681,988
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | One-to-four family
Assets measured at fair value on a nonrecurring basis
Fair Value	103,500		103,500
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | One-to-four family | Sales Comparison | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(2.00%)
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | One-to-four family | Sales Comparison | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			20.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | One-to-four family | Sales Comparison | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			8.30%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Multi-family
Assets measured at fair value on a nonrecurring basis
Fair Value	118,100		118,100
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Multi-family | Sales Comparison | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			2.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Multi-family | Sales Comparison | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			26.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Multi-family | Sales Comparison | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			21.30%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Commercial
Assets measured at fair value on a nonrecurring basis
Fair Value	788,070		788,070		755,000
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Commercial | Sales Comparison | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			1.00%		1.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Commercial | Sales Comparison | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			24.00%		24.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Commercial | Sales Comparison | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			10.50%		10.50%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Construction and land
Assets measured at fair value on a nonrecurring basis
Fair Value	2,687,740		2,687,740		2,926,988
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Construction and land | Sales Comparison | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(59.00%)		(4.00%)
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Construction and land | Sales Comparison | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			47.00%		47.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Foreclosed assets: | Real estate: | Construction and land | Sales Comparison | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(3.10%)		19.30%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans:
Assets measured at fair value on a nonrecurring basis
Fair Value	2,024,171		2,024,171		4,354,680
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate:
Assets measured at fair value on a nonrecurring basis
Fair Value	1,904,744		1,904,744		4,112,334
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | One-to-four family
Assets measured at fair value on a nonrecurring basis
Fair Value	1,026,195		1,026,195		1,355,785
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | One-to-four family | Sales Comparison | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(10.00%)		(5.00%)
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | One-to-four family | Sales Comparison | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			27.00%		9.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | One-to-four family | Sales Comparison | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			4.20%		5.70%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | Multi-family
Assets measured at fair value on a nonrecurring basis
Fair Value					2,255,959
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | Multi-family | Sales Comparison | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)					1.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | Multi-family | Sales Comparison | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)					18.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | Multi-family | Sales Comparison | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)					10.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | Commercial
Assets measured at fair value on a nonrecurring basis
Fair Value	878,549		878,549		500,590
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | Commercial | Sales Comparison | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(83.00%)		5.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | Commercial | Sales Comparison | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			67.00%		17.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Real estate: | Commercial | Sales Comparison | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(37.70%)		12.30%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Commercial business
Assets measured at fair value on a nonrecurring basis
Fair Value	89,836		89,836		235,183
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Commercial business | Sales Comparison | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(17.00%)		4.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Commercial business | Sales Comparison | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			16.00%		50.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Commercial business | Sales Comparison | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			2.70%		22.80%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Consumer
Assets measured at fair value on a nonrecurring basis
Fair Value	29,591		29,591		7,163
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Consumer | Automobile and other
Assets measured at fair value on a nonrecurring basis
Fair Value					7,163
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Consumer | Automobile and other | Liquidation Value | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)					(50.00%)
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Consumer | Automobile and other | Liquidation Value | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)					0.00%
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Consumer | Automobile and other | Liquidation Value | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)					(50.00%)
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Consumer | Home Equity
Assets measured at fair value on a nonrecurring basis
Fair Value	29,591		29,591
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Consumer | Home Equity | Sales Comparison | Minimum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(9.00%)
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Consumer | Home Equity | Sales Comparison | Maximum
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(3.00%)
Non-recurring basis | Significant Unobservable Inputs (Level 3) | Impaired loans: | Consumer | Home Equity | Sales Comparison | Weighted Average
Quantitative information, Level 3 fair value measurements
Adjustment for difference between comparable sales (as a percent)			(5.60%)
Non-recurring basis | Total | Foreclosed assets: | Real estate:
Assets measured at fair value on a nonrecurring basis
Fair Value	3,697,410		3,697,410		3,681,988
Non-recurring basis | Total | Foreclosed assets: | Real estate: | One-to-four family
Assets measured at fair value on a nonrecurring basis
Fair Value	103,500		103,500
Non-recurring basis | Total | Foreclosed assets: | Real estate: | Multi-family
Assets measured at fair value on a nonrecurring basis
Fair Value	118,100		118,100
Non-recurring basis | Total | Foreclosed assets: | Real estate: | Commercial
Assets measured at fair value on a nonrecurring basis
Fair Value	788,070		788,070		755,000
Non-recurring basis | Total | Foreclosed assets: | Real estate: | Construction and land
Assets measured at fair value on a nonrecurring basis
Fair Value	2,687,740		2,687,740		2,926,988
Non-recurring basis | Total | Impaired loans:
Assets measured at fair value on a nonrecurring basis
Fair Value	2,024,171		2,024,171		4,354,680
Non-recurring basis | Total | Impaired loans: | Real estate:
Assets measured at fair value on a nonrecurring basis
Fair Value	1,904,744		1,904,744		4,112,334
Non-recurring basis | Total | Impaired loans: | Real estate: | One-to-four family
Assets measured at fair value on a nonrecurring basis
Fair Value	1,026,195		1,026,195		1,355,785
Non-recurring basis | Total | Impaired loans: | Real estate: | Multi-family
Assets measured at fair value on a nonrecurring basis
Fair Value					2,255,959
Non-recurring basis | Total | Impaired loans: | Real estate: | Commercial
Assets measured at fair value on a nonrecurring basis
Fair Value	878,549		878,549		500,590
Non-recurring basis | Total | Impaired loans: | Commercial business
Assets measured at fair value on a nonrecurring basis
Fair Value	89,836		89,836		235,183
Non-recurring basis | Total | Impaired loans: | Consumer
Assets measured at fair value on a nonrecurring basis
Fair Value	29,591		29,591		7,163
Non-recurring basis | Total | Impaired loans: | Consumer | Automobile and other
Assets measured at fair value on a nonrecurring basis
Fair Value					7,163
Non-recurring basis | Total | Impaired loans: | Consumer | Home Equity
Assets measured at fair value on a nonrecurring basis
Fair Value	$ 29,591		$ 29,591