FAIR VALUE MEASUREMENTS (Details) (Available-For-Sale Securities [Member], USD $)	Mar. 31, 2013	Dec. 31, 2012
Assets, Fair Value Disclosure, Recurring	$ 44,552,200	$ 47,205,663
Collateralized Mortgage Obligations [Member]
Assets, Fair Value Disclosure, Recurring	40,015,701	42,655,799
Collateralized Mortgage Backed Securities [Member]
Assets, Fair Value Disclosure, Recurring	225,530	231,386
Equity Securities [Member]
Assets, Fair Value Disclosure, Recurring	37,664	37,332
Bond Mutual Funds [Member]
Assets, Fair Value Disclosure, Recurring	4,273,305	4,281,146
Fair Value, Inputs, Level 1 [Member]
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Obligations [Member]
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Backed Securities [Member]
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 1 [Member] | Equity Securities [Member]
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 1 [Member] | Bond Mutual Funds [Member]
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 2 [Member]
Assets, Fair Value Disclosure, Recurring	44,552,200	47,205,663
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Obligations [Member]
Assets, Fair Value Disclosure, Recurring	40,015,701	42,655,799
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Backed Securities [Member]
Assets, Fair Value Disclosure, Recurring	225,530	231,386
Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]
Assets, Fair Value Disclosure, Recurring	37,664	37,332
Fair Value, Inputs, Level 2 [Member] | Bond Mutual Funds [Member]
Assets, Fair Value Disclosure, Recurring	4,273,305	4,281,146
Fair Value, Inputs, Level 3 [Member]
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Obligations [Member]
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Backed Securities [Member]
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 3 [Member] | Equity Securities [Member]
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 3 [Member] | Bond Mutual Funds [Member]
Assets, Fair Value Disclosure, Recurring	$ 0	$ 0