DEPOSITS (Details) (USD $)	12 Months Ended
	Dec. 31, 2012 item	Dec. 31, 2011 item
Non-interest-bearing, Amount:
Checking accounts	$ 6,668,011	$ 5,256,111
Interest-bearing, Amount:
NOW accounts	24,646,375	24,289,201
Savings deposits	109,495,196	112,009,484
Time Deposits	90,622,432	103,495,792
Interest-bearing	224,764,003	239,794,477
Total Deposits	231,432,014	245,050,588
Weighted Average Interest Rate, Interest-bearing:
NOW accounts (as a percent)	0.12%	0.43%
Savings deposits (as a percent)	0.26%	1.08%
Time Deposits (as a percent)	1.46%	1.95%
Weighted Average Interest Rate (as a percent)	0.70%	1.34%
Amount
Under 6 months	14,505,024
6 to 12 months	19,859,046
12 to 24 months	17,065,916
24 to 36 months	17,464,530
36 to 48 months	12,999,121
48 to 60 months	8,728,795
Total time deposits	90,622,432	103,495,792
Average Interest Rate
Under 6 months (as a percent)	1.18%
6 to 12 months (as a percent)	0.82%
12 to 24 months (as a percent)	2.34%
24 to 36 months (as a percent)	1.84%
36 to 48 months (as a percent)	1.18%
48 to 60 months (as a percent)	1.29%
Average Interest Rate (as a percent)	1.46%	1.95%
FDIC insurance coverage per depositor	250,000
Number of time deposits with a balance in excess of $100,000	146	176
Time deposits with a balance in excess of $100,000	20,116,000	24,241,000
Number of accounts consisting of funds received through brokers	5
Funds received through brokers	18,000,000
Interest expense on deposits
NOW Accounts	818,413	1,087,483
Savings Deposits	122,817	143,012
Time Deposits	1,693,750	2,671,803
Total	$ 2,634,980	$ 3,902,298