MORTGAGE-BACKED SECURITIES (Details 2) (USD $)	Dec. 31, 2012 item	Dec. 31, 2011 Mortgage-backed securities
Fair Value
More than 12 months		$ 16,055,478
Total		16,055,478
Continuous Unrealized Loss
More than 12 months		684,135
Total		$ 684,135
Number of securities in an unrealized loss position	4

This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.

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This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.

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- Definition

Disclosure regarding factors used to determine that the impairment of securities not categorized as either held-to-maturity securities or trading securities (hence equal to available for sale securities) where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the available-for-sale investments determined to be temporarily impaired.

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