PREMISES AND EQUIPMENT (Details) (USD $)	12 Months Ended
Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Premises and Equipment
Premises and equipment, gross	$ 18,857,518	$ 18,450,797
Less accumulated depreciation	11,901,379	11,222,633
Premises and equipment-net	6,956,139	7,228,164
Depreciation expense	660,440	710,092	722,618
Land
Premises and Equipment
Premises and equipment, gross	2,250,250	2,250,250
Buildings and improvements
Premises and Equipment
Premises and equipment, gross	7,606,772	7,450,367
Furniture and equipment
Premises and Equipment
Premises and equipment, gross	$ 9,000,496	$ 8,750,180

The cumulative amount of depreciation, depletion and amortization (related to property, plant and equipment, but not including land) that has been recognized in the income statement.

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The expense recognized in the current period that allocates the cost of nonproduction tangible assets over their useful lives.

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- Definition

Gross amount of long-lived physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.

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- Definition

Amount, net of accumulated depreciation, depletion and amortization, of long-lived physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.

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