SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 5) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Transactions in other real estate owned
Balance-beginning of year	$ 10,075,837	$ 9,109,603
Additions	4,660,558	5,747,670	3,340,027
Sales	(4,074,188)	(3,522,834)
Write downs	(2,467,252)	(1,258,602)	(1,978,031)
Balance-end of year	$ 8,194,955	$ 10,075,837	$ 9,109,603
Buildings and improvements | Minimum
Premises and Equipment
Estimated useful life	5 years
Buildings and improvements | Maximum
Premises and Equipment
Estimated useful life	40 years
Furniture and equipment | Minimum
Premises and Equipment
Estimated useful life	3 years
Furniture and equipment | Maximum
Premises and Equipment
Estimated useful life	10 years