LOANS (Details 3) (USD $)	Sep. 30, 2012	Dec. 31, 2011	Sep. 30, 2011
Current	$ 721,900,034	$ 703,554,835
31-60 Days	5,833,426	1,732,541
61-89 Days	210,085	3,742,182
90 or Greater Days	13,074,034	9,510,617
Total Past Due	19,117,545	14,985,340
Total Loan Receivables	741,017,579	718,540,175	704,787,644
Commercial Real Estate [Member]
Current	402,169,721	367,415,647
31-60 Days	1,575,701	101,699
61-89 Days	0	0
90 or Greater Days	2,516,348	2,866,539
Total Past Due	4,092,049	2,968,238
Total Loan Receivables	406,261,770	370,383,885	368,045,487
Residential Mortgage [Member]
Current	172,077,054	160,785,337
31-60 Days	805,098	1,319,201
61-89 Days	0	0
90 or Greater Days	3,943,364	2,438,771
Total Past Due	4,748,462	3,757,972
Total Loan Receivables	176,825,516	164,543,309	157,753,718
Construction and Land Development [Member]
Current	31,313,156	35,331,315
31-60 Days	0	0
61-89 Days	0	0
90 or Greater Days	326,050	1,413,550
Total Past Due	326,050	1,413,550
Total Loan Receivables	31,639,206	36,744,865	31,639,081
Home Equity and Second Mortgage [Member]
Current	21,646,168	23,618,693
31-60 Days	101,350	228,346
61-89 Days	0	0
90 or Greater Days	192,923	291,285
Total Past Due	294,273	519,631
Total Loan Receivables	21,940,441	24,138,324	24,328,456
Commercial Loan [Member]
Current	76,829,762	95,961,076
31-60 Days	3,320,417	49,781
61-89 Days	41,090	3,693,283
90 or Greater Days	5,866,219	2,263,916
Total Past Due	9,227,726	6,006,980
Total Loan Receivables	86,057,488	101,968,056	101,834,868
Consumer Loan [Member]
Current	1,046,638	991,838
31-60 Days	0	8,645
61-89 Days	0	0
90 or Greater Days	408	500
Total Past Due	408	9,145
Total Loan Receivables	1,047,046	1,000,983	1,098,280
Commercial Equipment [Member]
Current	16,817,535	19,450,929
31-60 Days	30,860	24,869
61-89 Days	168,995	48,899
90 or Greater Days	228,722	236,056
Total Past Due	428,577	309,824
Total Loan Receivables	$ 17,246,112	$ 19,760,753	$ 20,087,754