REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS (Details) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Real estate acquired in settlement of loans
Less: valuation allowance	$ (316,138)	$ (266,283)
Real estate acquired in settlement of loans, net	5,182,403	4,820,634
Single family properties
Real estate acquired in settlement of loans
Real estate acquired in settlement of loans, gross	645,207	603,381
Land
Real estate acquired in settlement of loans
Real estate acquired in settlement of loans, gross	1,677,156	2,285,183
Construction
Real estate acquired in settlement of loans
Real estate acquired in settlement of loans, gross	912,543	743,600
Commercial
Real estate acquired in settlement of loans
Real estate acquired in settlement of loans, gross	$ 2,263,635	$ 1,454,753