LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Activity in allowance for loan losses
Beginning balance	$ 3,955,731	$ 4,188,022	$ 4,094,258
Provision for loan losses	2,400,000	3,882,409	2,465,000
Loans charged-off	(3,068,905)	(4,301,629)	(2,521,994)
Recoveries on loans previously charged-off	222,000	186,929	150,758
Ending Balance	$ 3,509,367	$ 3,955,731	$ 4,188,022