DISCLOSURES ABOUT FAIR VALUE OF ASSETS AND LIABILITIES - Estimated Fair Values of Other Financial Instruments (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Carrying Amount
Financial Assets
Cash and cash equivalents	$ 5,551,947	$ 7,293,711
Interest earning time deposits in banks	2,972,000	2,972,000
Other investments	84,616	96,041
Loans held for sale	1,287,916	711,986
Loans, net of allowance for loan losses	174,332,494	173,753,059
Federal Home Loan Bank stock	1,113,800	1,113,800
Interest receivable	2,890,297	2,053,472
Financial Liabilities
Deposits	247,654,888	258,520,729
Other borrowings	24,945,748	12,740,610
Advances from borrowers for taxes and insurance	427,713	832,345
Interest payable	221,594	276,757
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans
Letters of credit
Lines of credit
Fair Value Measurement \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Financial Assets
Cash and cash equivalents	5,551,947	7,293,711
Interest earning time deposits in banks
Other investments
Loans held for sale
Loans, net of allowance for loan losses
Federal Home Loan Bank stock
Interest receivable
Financial Liabilities
Deposits
Other borrowings
Advances from borrowers for taxes and insurance
Interest payable
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans
Letters of credit
Lines of credit
Fair Value Measurement \| Significant Other Observable Inputs (Level 2)
Financial Assets
Cash and cash equivalents
Interest earning time deposits in banks	2,972,000	2,972,000
Other investments	84,616	96,041
Loans held for sale	1,287,916	711,986
Loans, net of allowance for loan losses
Federal Home Loan Bank stock	1,113,800	1,113,800
Interest receivable	2,890,297	2,053,472
Financial Liabilities
Deposits	135,231,019	135,656,067
Other borrowings	24,945,748	12,740,610
Advances from borrowers for taxes and insurance	427,713	832,345
Interest payable	221,594	276,757
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans
Letters of credit
Lines of credit
Fair Value Measurement \| Significant Unobservable Inputs (Level 3)
Financial Assets
Cash and cash equivalents
Interest earning time deposits in banks
Other investments
Loans held for sale
Loans, net of allowance for loan losses	172,583,139	172,609,490
Federal Home Loan Bank stock
Interest receivable
Financial Liabilities
Deposits	115,501,799	125,864,749
Other borrowings
Advances from borrowers for taxes and insurance
Interest payable
Unrecognized financial instruments (net of contract amount)
Commitments to originate loans
Letters of credit
Lines of credit

Advance Payments by Borrowers for Taxes and Insurance, Fair Value Disclosure

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- Definition

Interest-Bearing Deposits with Banks, Fair Value Disclosure

+ References

No definition available.

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- Definition

Interest Payable, Fair Value Disclosure

+ References

No definition available.

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- Definition

Interest Receivable, Fair Value Disclosure

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No definition available.

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- Definition

Letters of Credit Fair Value Disclosure

+ References

No definition available.

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- Definition

Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash

-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Cash Equivalents

-URI http://asc.fasb.org/extlink&oid=6507016

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- Definition

Fair value portion of arrangements with third parties, including, but not limited to, operating lease arrangement and arrangement in which the entity has agreed to expend funds to procure goods or services, or has agreed to commit resources to supply goods or services.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 210

-SubTopic 10

-Section S99

-Paragraph 1

-Subparagraph (SX 210.5-02.25)

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-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 25

-Article 5

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 19

-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 17

-Article 9

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- Definition

Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.

+ References

No definition available.

+ Details

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- Definition

Fair value portion of investments in Federal Home Loan Bank (FHLBank) stock.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 325

-SubTopic 20

-Section 25

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=29638263&loc=d3e39828-111592

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- Definition

Fair value portion of contractual arrangement with a lender under which borrowings can be made up to a specific amount at any point in time.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Glossary Line-of-Credit Arrangement

-URI http://asc.fasb.org/extlink&oid=6517033

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- Definition

Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.

+ References

No definition available.

+ Details

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- Definition

Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Glossary Loan

-URI http://asc.fasb.org/extlink&oid=6517073

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- Definition

Value of the other investment not readily marketable determined by management based upon fair value methods, including pricing of similar securities and valuation techniques, that was used to record the investment for financial reporting purposes.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 940

-SubTopic 820

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=29644083&loc=d3e45360-110995

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- Definition

Fair value portion of other liabilities.

+ References

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