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LOAN SERVICING (Tables)
12 Months Ended
Dec. 31, 2012
Mortgage Servicing Rights [Abstract]  
Schedule of Participating Mortgage Loans [Table Text Block]

The following table presents the activity of the mortgage servicing rights.

 

    Years Ended December 31,  
    2012     2011  
Balance, beginning of the year   $ 213,079     $ 196,648  
Additions     105,480       73,022  
Amortization     (73,887 )     (56,591 )
Balance, end of year   $ 244,672     $ 213,079