Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 5

-Paragraph 8, 9

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef

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-LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef

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Reference 6: http://www.xbrl.org/2003/role/presentationRef

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-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

- Definition

Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher OTS

-Name Federal Regulation (FR)

-Number Title 12

-Section 563c.102

-Paragraph 8

-Subparagraph a(i-v)

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-Subsection I

-LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher AICPA

-Name Statement of Position (SOP)

-Number 01-6

-Paragraph 13

-Subparagraph e

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef

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-Name Federal Regulation (FR)

-Number Title 12

-Section 563c.102

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-LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It will be removed from future versions of this taxonomy.

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Reference 5: http://www.xbrl.org/2003/role/presentationRef

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Reference 6: http://www.xbrl.org/2003/role/presentationRef

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-Publisher OTS

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-Number Title 12

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Reference 8: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

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Reference 9: http://www.xbrl.org/2003/role/presentationRef

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-Section S99

-Paragraph 1

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-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

+ Details

- Definition

Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

+ References+ Details

LOANS RECEIVABLE (Details) (USD $)	12 Months Ended
LOANS RECEIVABLE (Details) (USD $)	Dec. 31, 2012 item	Dec. 31, 2011	Dec. 31, 2010
Loans
Loans, gross	$ 179,739,479	$ 211,897,934
LESS: Allowance for loan losses	(3,151,476)	(6,124,116)	(10,220,000)
LESS: Deferred loan fees, net	(387,189)	(420,230)
Loans receivable held-for-investment - net	176,200,814	205,353,588
Minimum number of residential properties secured by loan	5
Construction loans
Loans
Loans, gross	4,496,000	3,985,000
LESS: Allowance for loan losses	(89,000)	(9,000)	(326,000)
Adjustable Interest Rate Loan
Loans
Loans, gross	2,500,000	6,700,000
Variable rate basis, index one	1-year U.S. Treasury index
Variable rate basis, index two	3-year U.S. Treasury index
5 or more- residential
Loans
Minimum number of residential properties secured by loan	5
COMMERCIAL AND OTHER LOANS: \| Commercial -secured by real estate
Loans
Loans, gross	65,498,712	76,607,916
COMMERCIAL AND OTHER LOANS: \| Commercial
Loans
Loans, gross	1,838,454	2,735,036
COMMERCIAL AND OTHER LOANS: \| Loans secured by savings accounts
Loans
Loans, gross	166,699	149,992
COMMERCIAL AND OTHER LOANS: \| Consumer installment loans
Loans
Loans, gross	250,487	354,317
FIRST MORTGAGE LOANS:
Loans
Loans, gross	110,307,067	130,072,822
FIRST MORTGAGE LOANS: \| Construction loans
Loans
Loans, gross	4,495,641	3,984,630
FIRST MORTGAGE LOANS: \| Land and land development loans
Loans
Loans, gross	6,085,545	7,450,684
FIRST MORTGAGE LOANS: \| Land acquisition loans
Loans
Loans, gross	290,249	492,120
FIRST MORTGAGE LOANS: \| Single-family residences
Loans
Loans, gross	67,113,044	79,719,713
FIRST MORTGAGE LOANS: \| 5 or more- residential
Loans
Loans, gross	2,211,044	3,068,229
FIRST MORTGAGE LOANS: \| Other properties
Loans
Loans, gross	30,111,544	35,357,446
SECOND MORTGAGE LOANS
Loans
Loans, gross	$ 1,678,060	$ 1,977,851