QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
QUARTERLY FINANCIAL DATA (UNAUDITED)
Interest Income	$ 3,475,000	$ 3,984,000	$ 4,136,000	$ 3,935,000	$ 3,907,000	$ 4,035,000	$ 4,140,000	$ 4,011,000	$ 15,529,672	$ 16,093,364	$ 17,541,520
Interest expense	235,000	248,000	272,000	297,000	317,000	365,000	407,000	438,000	1,051,530	1,526,870	2,475,142
Net interest income	3,240,000	3,736,000	3,864,000	3,638,000	3,590,000	3,670,000	3,733,000	3,573,000	14,478,142	14,566,494	15,066,378
Provision for loan losses	375,000	525,000	750,000	750,000	1,149,000	780,000	1,478,000	475,000	2,400,000	3,882,409	2,465,000
Non-interest income	1,607,000	1,305,000	1,565,000	1,472,000	1,638,000	1,411,000	1,171,000	1,241,000	5,948,861	5,460,858	6,227,619
Non-interest expense	4,098,000	4,298,000	5,387,000	4,376,000	4,093,000	4,387,000	4,227,000	4,252,000	18,159,250	16,958,874	19,102,550
Loss before income taxes benefit	374,000	218,000	(708,000)	(16,000)	(14,000)	(86,000)	(801,000)	87,000	(132,247)	(813,931)	(273,553)
Income tax expense (benefit)	(241,000)	(50,000)	(461,000)	(149,000)	(348,000)	(178,000)	(427,000)	(130,000)	(901,070)	(1,082,557)	(902,749)
Net income	615,000	268,000	(247,000)	133,000	334,000	92,000	(374,000)	217,000	768,823	268,626	629,196
Preferred dividends	60,000	59,000	59,000	59,000	60,000	59,000	59,000	59,000	236,820	236,820	313,624
Net income available to common stockholders	$ 555,000	$ 209,000	$ (306,000)	$ 74,000	$ 274,000	$ 33,000	$ (433,000)	$ 158,000	$ 532,003	$ 31,806	$ 315,572
Net income per common share-basic and diluted (in dollars per share)	$ 0.26	$ 0.10	$ (0.14)	$ 0.03	$ 0.12	$ 0.02	$ (0.20)	$ 0.08	$ 0.25	$ 0.02	$ 0.15