STOCKHOLDERS' EQUITY (Tables)

9 Months Ended

Sep. 30, 2013

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]

Unreleased common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating either basic or diluted net income per common share.

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2013		2012		2013		2012
Net loss	$	(1,031,000)	$	(6,161,000)	$	(6,421,000)	$	(9,552,000)
Weighted-average common shares outstanding:
Basic		6,643,093		6,610,729		6,643,093		6,610,766
Diluted		6,643,093		6,610,729		6,643,093		6,610,766
Loss per common share;
Basic	$	(0.16)	$	(0.93)	$	(0.97)	$	(1.44)
Diluted	$	(0.16)	$	(0.93)	$	(0.97)	$	(1.44)