EARNINGS PER SHARE (Tables)

9 Months Ended

Sep. 30, 2013

Earnings Per Share [Abstract]

Schedule of earnings per share calculations for basic and diluted methods

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2013		2012		2013		2012
Net income available to common shareholders	$	785,669	$	1,029,853	$	2,558,192	$	2,791,665
Basic average shares outstanding		1,847,069		1,887,359		1,864,701		1,886,216
Diluted potential common shares:
Stock option equivalents		2,168		479		292		377
Diluted average shares outstanding		1,849,237		1,887,838		1,864,993		1,886,593
Basic earnings per share	$	0.43	$	0.55	$	1.37	$	1.48
Diluted earnings per share	$	0.42	$	0.55	$	1.37	$	1.48