QUARTERLY DATA (Unaudited) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2012	Dec. 31, 2011
QUARTERLY DATA (Unaudited)
Interest income	$ 3,450,000	$ 3,851,000	$ 4,002,000	$ 4,190,000	$ 4,429,000	$ 4,604,000	$ 4,616,000	$ 4,662,000	$ 15,492,452	$ 18,311,036
Interest expense	993,000	1,149,000	1,213,000	1,306,000	1,408,000	1,439,000	1,532,000	1,635,000	4,660,950	6,013,654
NET INTEREST INCOME	2,457,000	2,702,000	2,789,000	2,884,000	3,021,000	3,165,000	3,084,000	3,027,000	10,831,502	12,297,382
Provision for loan losses						100,000	100,000			200,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	2,457,000	2,702,000	2,789,000	2,884,000	3,021,000	3,065,000	2,984,000	3,027,000	10,831,502	12,097,382
Income before income taxes	871,000	(80,000)	247,000	420,000	491,000	726,000	457,000	286,000	1,454,421	1,960,568
Income tax expense	292,000	(75,000)	73,000	142,000	208,000	316,000	137,000	50,000	428,829	711,759
NET EARNINGS	$ 579,000	$ (5,000)	$ 174,000	$ 278,000	$ 283,000	$ 410,000	$ 320,000	$ 236,000	$ 1,025,592	$ 1,248,809
Basic earnings per common share (in dollars per share)	$ 0.07	$ 0.00	$ 0.03	$ 0.03	$ 0.04	$ 0.05	$ 0.04	$ 0.03	$ 0.13	$ 0.16
Diluted earnings per common share (in dollars per share)	$ 0.07	$ 0.00	$ 0.03	$ 0.03	$ 0.04	$ 0.05	$ 0.04	$ 0.03	$ 0.13	$ 0.16