COMMITMENTS AND CONTINGENCIES (Details) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Commitments to extend credit
Financial instruments whose contract amounts represent credit risk
Approximate Contractual Amount	$ 24,335,000	$ 18,035,000
Commercial letters of credit
Financial instruments whose contract amounts represent credit risk
Approximate Contractual Amount	$ 2,218,000	$ 2,367,000