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DEPOSITS (Details) (USD $)
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
DEPOSITS    
Noninterest-bearing $ 55,263,604 $ 60,330,245
Interest-bearing transaction accounts 292,542,353 223,830,488
Savings 27,174,489 25,689,456
Time 127,559,246 150,523,857
Total deposits 502,539,692 460,374,046
Brokered deposits included in time deposits 18,012,000 29,201,000
Brokered deposits included in interest bearing transaction accounts 106,525,000 48,076,000
Interest expense on deposits    
Interest-bearing transaction accounts 1,018,327 1,203,755
Savings 77,990 115,143
Time deposits 1,673,368 2,514,712
Interest expense on deposits 2,769,685 3,833,610
Aggregate amount of certificates of deposit with a minimum denomination of $100,000 55,568,000 70,786,000
Scheduled maturities of time deposits    
Year Ending December 31, 2014 59,551,611  
Year Ending December 31, 2015 22,025,292  
Year Ending December 31, 2016 20,281,211  
Year Ending December 31, 2017 19,552,462  
Year Ending December 31, 2018 6,032,473  
Thereafter 116,197  
Time deposits $ 127,559,246 $ 150,523,857