FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2012 Commitments to grant mortgage and commercial loans	Dec. 31, 2011 Commitments to grant mortgage and commercial loans	Dec. 31, 2012 Unfunded commitments to extend credit under existing construction equity line and commercial lines of credit	Dec. 31, 2011 Unfunded commitments to extend credit under existing construction equity line and commercial lines of credit	Dec. 31, 2012 Standby letters of credit and financial guarantees written	Dec. 31, 2011 Standby letters of credit and financial guarantees written
Financial instruments with off-balance-sheet risk
Contract Amount		$ 5,260,600	$ 493,500	$ 10,203,482	$ 11,111,154	$ 530,534	$ 194,488
Percentage of agreements and pending applications that are drawn upon	75.00%
Term of unfunded portion of equity lines	12 months