INVESTMENTS - Gross Unrealized Losses and Fair Value in Continuous Loss Position (Details 2) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Investments, Unrealized Loss Position [Line Items]
Less Than Twelve Months, Gross Unrealized Losses	$ (2,760,190)	$ (258,237)
Less Than Twelve Months, Fair Value	58,684,437	23,955,743
Twelve Months or More, Gross Unrealized Losses	(16,270)
Twelve Months or More, Fair Value	448,178
Gross Unrealized Losses	(2,776,460)	(258,237)
Fair Value	59,132,615	23,955,743
Mortgage-backed securities (government-sponsored enterprises - residential)
Investments, Unrealized Loss Position [Line Items]
Less Than Twelve Months, Gross Unrealized Losses	(886,094)	(95,319)
Less Than Twelve Months, Fair Value	28,939,697	16,172,999
Twelve Months or More, Gross Unrealized Losses
Twelve Months or More, Fair Value
Gross Unrealized Losses	(886,094)	(95,319)
Fair Value	28,939,697	16,172,999
Unsecured Debt
Investments, Unrealized Loss Position [Line Items]
Less Than Twelve Months, Gross Unrealized Losses	(1,874,096)	(162,918)
Less Than Twelve Months, Fair Value	29,744,740	7,782,744
Twelve Months or More, Gross Unrealized Losses	(16,270)
Twelve Months or More, Fair Value	448,178
Gross Unrealized Losses	(1,890,366)	(162,918)
Fair Value	30,192,918	7,782,744
Unsecured Debt | Municipal bonds
Investments, Unrealized Loss Position [Line Items]
Less Than Twelve Months, Gross Unrealized Losses	(1,506,532)	(152,362)
Less Than Twelve Months, Fair Value	23,374,901	7,237,453
Twelve Months or More, Gross Unrealized Losses	(16,270)
Twelve Months or More, Fair Value	448,178
Gross Unrealized Losses	(1,522,802)	(152,362)
Fair Value	23,823,079	7,237,453
Unsecured Debt | U.S. Government and agencies
Investments, Unrealized Loss Position [Line Items]
Less Than Twelve Months, Gross Unrealized Losses	(367,564)	(10,556)
Less Than Twelve Months, Fair Value	6,369,839	545,291
Twelve Months or More, Gross Unrealized Losses
Twelve Months or More, Fair Value
Gross Unrealized Losses	(367,564)	(10,556)
Fair Value	$ 6,369,839	$ 545,291