DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2012

DEPOSITS

Summary of interest-bearing deposits

	December 31,
	2012		2011
NOW and money market accounts	$	92,671,544	$	94,313,635
Savings accounts		32,770,028		31,483,819
Time deposits of $100,000 or more		121,223,645		120,235,638
Other time deposits		34,585,918		37,416,314
	$	281,251,135	$	283,449,406

Schedule of maturities of time deposits

2013	$	123,827,406
2014		5,989,407
2015		3,901,807
2016		3,128,203
2017 and thereafter		18,962,740
	$	155,809,563