STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Details 2) (USD $)	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Bank's capital amounts and ratios
Total stockholders' equity - Bank only	$ 55,325,562	$ 54,273,010	$ 51,618,893
Bank
Additional item
Total regulatory capital	45,503,884	43,584,440
Total regulatory capital	45,503,884	43,584,440
Total regulatory capital	47,461,707	46,360,354
Tangible assets used in computing regulatory capital	348,882,700	375,560,600
Total risk weighted assets used in computing regulatory capital	200,995,655	221,953,097
Bank | Tangible Capital
Bank's capital amounts and ratios
Total stockholders' equity - Bank only	52,735,685	51,425,694
Nonallowable assets:
Unrealized depreciation on available for sale securities, net of taxes	(861,828)	(935,577)
Disallowed deferred tax asset	(6,369,973)	(6,905,677)
Additional item
Total regulatory capital	45,503,884	43,584,440
Bank | Core Capital
Bank's capital amounts and ratios
Total stockholders' equity - Bank only	52,735,685	51,425,694
Nonallowable assets:
Unrealized depreciation on available for sale securities, net of taxes	(861,828)	(935,577)
Disallowed deferred tax asset	(6,369,973)	(6,905,677)
Additional item
Total regulatory capital	45,503,884	43,584,440
Bank | Total capital
Bank's capital amounts and ratios
Total stockholders' equity - Bank only	52,735,685	51,425,694
Nonallowable assets:
Unrealized depreciation on available for sale securities, net of taxes	(861,828)	(935,577)
Disallowed deferred tax asset	(6,369,973)	(6,905,677)
Additional item
Low level recourse	(562,512)	(3,621)
Allowance for loan losses	2,520,335	2,779,535
Total regulatory capital	$ 47,461,707	$ 46,360,354