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DEPOSITS (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
DEPOSITS [Abstract]      
Non-interest-bearing deposits $ 89,494,000 $ 85,605,000  
NOW accounts 201,804,000 200,897,000  
Savings deposits 87,836,000 79,659,000  
Money market deposit accounts 83,423,000 67,223,000  
Certificates of deposit 274,539,000 300,609,000  
Total deposits 737,096,000 733,993,000  
Certificates of deposit of $100,000 or more [Abstract]      
Certificates of deposit of $100,000 or more 113,479,000 120,127,000  
Interest expense on certificates of deposit of $100,000 or more 1,819,000 2,496,000 3,095,000
Maturities of certificates of deposit [Abstract]      
2013 126,355,000    
2014 62,274,000    
2015 45,528,000    
2016 19,372,000    
2017 19,610,000    
Thereafter 1,400,000    
Total certificates of deposit $ 274,539,000