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PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2012
PREMISES AND EQUIPMENT  
Summary of premises and equipment
 
   December 31,  
 
   2012   2011  

Land

   $ 2,250,250   $ 2,250,250  

Buildings and improvements

     7,606,772     7,450,367  

Furniture and equipment

     9,000,496     8,750,180  
           

 

     18,857,518     18,450,797  

Less accumulated depreciation

     11,901,379     11,222,633  
           

 

  
$
6,956,139		  
$
7,228,164