STOCK BASED COMPENSATION (Tables)

9 Months Ended

Sep. 30, 2013

Disclosure Of Compensation Related Costs Share based Payments [Abstract]

Schedule of summary of ESOP shares

	September 30, 2013		September 30, 2012
Unearned shares		29,144		32,812
Shares committed for release		1,647		1,625
Allocated shares		57,162		51,438
Total ESOP shares		87,953		85,875
Fair value of unearned shares	$	601,964	$	541,398

Schedule of stock option activity

						Weighted
				Weighted		Average
				Average		Remaining		Aggregate
				Exercise		Contractual		Instrinsic
	Options			Price/Share		Life (in years)		Value
Outstanding, December 31, 2012		107,338		$	15.60
Granted		-			-
Exercised		(6,002	)		15.04
Forfeited		-			-
Outstanding, September 30, 2013		101,336		$	15.63		8.41	$	397,049
Exercisable, September 30, 2013		18,151		$	15.55		8.01	$	72,628