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DEPOSITS (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
DEPOSITS    
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
Total interest-bearing deposits 281,251,135 283,449,406
Time Deposits    
CDARS deposits 14,963,966 17,819,248
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  
Total $ 155,809,563