LOANS (Details 1) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011	Dec. 31, 2011
Begining Balance	$ 7,464,137	$ 7,099,659	$ 7,655,041	$ 7,669,147	$ 7,669,147
Charge-offs	(114,512)	(488,583)	(1,122,128)	(3,956,866)	(4,105,128)
Recoveries	452	1,168	39,659	3,272	3,871
Provisions	746,075	644,654	1,523,580	3,541,345	4,087,151
Ending Balance	8,096,152	7,256,898	8,096,152	7,256,898	7,655,041
Ending balance: individually evaluated for impairment	2,030,855	1,698,557	2,030,855	1,698,557	1,996,935
Ending balance: collectively evaluated for impairment	6,065,297	5,558,341	6,065,297	5,558,341	5,658,106
Total Loan Receivables	741,017,579	704,787,644	741,017,579	704,787,644	718,540,175
Loan receivables: Ending balance individually evaluated for impairment	45,601,099	69,776,657	45,601,099	69,776,657	70,915,639
Loan receivables: Ending balance: collectively evaluated for impairment	695,416,480	635,010,987	695,416,480	635,010,987	647,624,536
Commercial Real Estate [Member]
Begining Balance	3,478,458	3,470,109	2,525,199	3,313,983	3,313,983
Charge-offs	(50,034)	(409,895)	(171,867)	(1,189,959)	(1,249,038)
Recoveries	0	0	0	0	0
Provisions	683,311	338,322	1,758,403	1,274,512	460,254
Ending Balance	4,111,735	3,398,536	4,111,735	3,398,536	2,525,199
Ending balance: individually evaluated for impairment	1,122,590	280,000	1,122,590	280,000	423,093
Ending balance: collectively evaluated for impairment	2,989,145	3,118,536	2,989,145	3,118,536	2,102,106
Total Loan Receivables	406,261,770	368,045,487	406,261,770	368,045,487	370,383,885
Loan receivables: Ending balance individually evaluated for impairment	23,039,920	30,728,200	23,039,920	30,728,200	31,166,090
Loan receivables: Ending balance: collectively evaluated for impairment	383,221,850	337,317,287	383,221,850	337,317,287	339,217,795
Residential Mortgage [Member]
Begining Balance	901,505	359,539	539,205	204,073	204,073
Charge-offs	(10,991)	6	(10,991)	(48,998)	(49,002)
Recoveries	429	0	37,676	0	967
Provisions	(3,991)	19,064	321,062	223,534	383,167
Ending Balance	886,952	378,609	886,952	378,609	539,205
Ending balance: individually evaluated for impairment	247,541	0	247,541	0	113,000
Ending balance: collectively evaluated for impairment	639,411	378,609	639,411	378,609	426,205
Total Loan Receivables	176,825,516	157,753,718	176,825,516	157,753,718	164,543,309
Loan receivables: Ending balance individually evaluated for impairment	4,011,851	6,264,847	4,011,851	6,264,847	5,849,538
Loan receivables: Ending balance: collectively evaluated for impairment	172,813,665	151,488,871	172,813,665	151,488,871	158,693,771
Construction and Land Development [Member]
Begining Balance	596,854	855,932	354,385	1,266,625	1,266,625
Charge-offs	(5,995)	24	(5,995)	(212,993)	(213,007)
Recoveries	0	0	0	0	0
Provisions	40,378	(51,701)	282,847	(249,377)	(699,233)
Ending Balance	631,237	804,255	631,237	804,255	354,385
Ending balance: individually evaluated for impairment	134,500	100,000	134,500	100,000	100,000
Ending balance: collectively evaluated for impairment	496,737	704,255	496,737	704,255	254,385
Total Loan Receivables	31,639,206	31,639,081	31,639,206	31,639,081	36,744,865
Loan receivables: Ending balance individually evaluated for impairment	5,217,025	8,052,154	5,217,025	8,052,154	9,057,433
Loan receivables: Ending balance: collectively evaluated for impairment	26,422,181	23,586,927	26,422,181	23,586,927	27,687,432
Home Equity and Second Mortgage [Member]
Begining Balance	212,791	96,532	143,543	97,519	97,519
Charge-offs	(46,989)	0	(88,931)	0	0
Recoveries	0	0	0	0	0
Provisions	18,402	782	129,592	(205)	46,024
Ending Balance	184,204	97,314	184,204	97,314	143,543
Ending balance: individually evaluated for impairment	21,855	0	21,855	0	42,340
Ending balance: collectively evaluated for impairment	162,349	97,314	162,349	97,314	101,203
Total Loan Receivables	21,940,441	24,328,456	21,940,441	24,328,456	24,138,324
Loan receivables: Ending balance individually evaluated for impairment	293,855	644,224	293,855	644,224	492,319
Loan receivables: Ending balance: collectively evaluated for impairment	21,646,586	23,684,232	21,646,586	23,684,232	23,646,005
Consumer Loan [Member]
Begining Balance	18,316	26,957	19,119	32,209	32,209
Charge-offs	0	(1,000)	(999)	(2,000)	(3,000)
Recoveries	0	77	0	2,181	968
Provisions	1,505	325	1,701	(6,031)	(11,058)
Ending Balance	19,821	26,359	19,821	26,359	19,119
Ending balance: individually evaluated for impairment	0	0	0	0	0
Ending balance: collectively evaluated for impairment	19,821	26,359	19,821	26,359	19,119
Total Loan Receivables	1,047,046	1,098,280	1,047,046	1,098,280	1,000,983
Loan receivables: Ending balance individually evaluated for impairment	60,925	140,595	60,925	140,595	82,036
Loan receivables: Ending balance: collectively evaluated for impairment	986,121	957,685	986,121	957,685	918,947
Commercial Loan [Member]
Begining Balance	1,968,491	2,115,038	3,850,294	2,552,039	2,552,039
Charge-offs	(413)	274	(693,461)	(2,376,920)	(2,441,076)
Recoveries	23	1,091	1,983	1,091	1,936
Provisions	(14,062)	270,702	(1,204,777)	2,210,895	3,737,395
Ending Balance	1,954,039	2,387,105	1,954,039	2,387,105	3,850,294
Ending balance: individually evaluated for impairment	499,654	1,318,557	499,654	1,318,557	1,318,502
Ending balance: collectively evaluated for impairment	1,454,385	1,068,548	1,454,385	1,068,548	2,531,792
Total Loan Receivables	86,057,488	101,834,868	86,057,488	101,834,868	101,968,056
Loan receivables: Ending balance individually evaluated for impairment	12,972,808	23,584,917	12,972,808	23,584,917	23,896,287
Loan receivables: Ending balance: collectively evaluated for impairment	73,084,680	78,249,951	73,084,680	78,249,951	78,071,769
Commercial Equipment [Member]
Begining Balance	287,722	175,552	223,296	202,699	202,699
Charge-offs	(90)	(77,992)	(149,884)	(125,996)	(150,005)
Recoveries	0	0	0	0	0
Provisions	20,532	67,160	234,752	88,017	170,602
Ending Balance	308,164	164,720	308,164	164,720	223,296
Ending balance: individually evaluated for impairment	4,715	0	4,715	0	0
Ending balance: collectively evaluated for impairment	303,449	164,720	303,449	164,720	223,296
Total Loan Receivables	17,246,112	20,087,754	17,246,112	20,087,754	19,760,753
Loan receivables: Ending balance individually evaluated for impairment	4,715	361,720	4,715	361,720	371,936
Loan receivables: Ending balance: collectively evaluated for impairment	$ 17,241,397	$ 19,726,034	$ 17,241,397	$ 19,726,034	$ 19,388,817