LOANS (Details 1) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2013	Mar. 31, 2012	Dec. 31, 2012
Allowance for loan losses:
Beginning Balance	$ 8,246,957	$ 7,655,041	$ 7,655,041
Charge-offs	(103,719)	(80,786)	(2,026,626)
Recoveries	52,589	469	89,861
Provision	154,173	341,074	2,528,681
Ending Balance	8,350,000	7,915,798	8,246,957
Ending balance: individually evaluated for impairment	1,583,810	2,132,896	1,547,657
Ending balance: collectively evaluated for impairment	6,766,190	5,782,902	6,699,300
Loan receivables:
Ending balance	743,931,550	731,621,458	756,552,319
Ending balance: individually evaluated for impairment	42,215,412	75,531,059	38,990,435
Ending balance: collectively evaluated for impairment	701,716,138	656,090,399	717,561,884
Commercial Real Estate [Member]
Allowance for loan losses:
Beginning Balance	4,089,834	2,525,199	2,525,199
Charge-offs	0	(36,452)	(486,431)
Recoveries	0	0	0
Provision	(549,904)	896,289	2,051,066
Ending Balance	3,539,930	3,385,036	4,089,834
Ending balance: individually evaluated for impairment	767,349	788,146	785,878
Ending balance: collectively evaluated for impairment	2,772,581	2,596,890	3,303,956
Loan receivables:
Ending balance	417,405,318	387,062,534	419,667,312
Ending balance: individually evaluated for impairment	22,599,139	39,662,243	21,618,890
Ending balance: collectively evaluated for impairment	394,806,179	347,400,291	398,048,422
Residential Mortgage [Member]
Allowance for loan losses:
Beginning Balance	1,083,228	539,205	539,205
Charge-offs	(58,840)	0	(10,987)
Recoveries	992	0	37,524
Provision	959,785	104,803	517,486
Ending Balance	1,985,165	644,008	1,083,228
Ending balance: individually evaluated for impairment	444,028	113,000	403,475
Ending balance: collectively evaluated for impairment	1,541,137	531,008	679,753
Loan receivables:
Ending balance	169,088,653	171,910,733	177,663,354
Ending balance: individually evaluated for impairment	5,137,875	5,725,407	3,367,827
Ending balance: collectively evaluated for impairment	163,950,778	166,185,326	174,295,527
Construction and Land Development [Member]
Allowance for loan losses:
Beginning Balance	533,430	354,385	354,385
Charge-offs	(35,903)	0	(140,835)
Recoveries	0	0	0
Provision	(449)	94,021	319,880
Ending Balance	497,078	448,406	533,430
Ending balance: individually evaluated for impairment	0	100,000	0
Ending balance: collectively evaluated for impairment	497,078	348,406	533,430
Loan receivables:
Ending balance	31,061,899	36,254,152	31,818,782
Ending balance: individually evaluated for impairment	4,621,596	10,915,597	4,877,868
Ending balance: collectively evaluated for impairment	26,440,303	25,338,555	26,940,914
Home Equity and Second Mortgage [Member]
Allowance for loan losses:
Beginning Balance	279,819	143,543	143,543
Charge-offs	0	0	(210,753)
Recoveries	0	0	0
Provision	38,452	121,595	347,029
Ending Balance	318,271	265,138	279,819
Ending balance: individually evaluated for impairment	39,800	89,540	0
Ending balance: collectively evaluated for impairment	278,471	175,598	279,819
Loan receivables:
Ending balance	21,578,772	23,455,588	21,982,375
Ending balance: individually evaluated for impairment	482,502	463,601	291,000
Ending balance: collectively evaluated for impairment	21,096,270	22,991,987	21,691,375
Consumer Loan [Member]
Allowance for loan losses:
Beginning Balance	19,341	19,119	19,119
Charge-offs	(8,976)	(985)	(4,994)
Recoveries	992	0	987
Provision	5,729	216	4,229
Ending Balance	17,086	18,350	19,341
Ending balance: individually evaluated for impairment	0	0	0
Ending balance: collectively evaluated for impairment	17,086	18,350	19,341
Loan receivables:
Ending balance	1,022,981	960,745	995,206
Ending balance: individually evaluated for impairment	46,664	74,928	51,748
Ending balance: collectively evaluated for impairment	976,317	885,817	943,458
Commercial Loan [Member]
Allowance for loan losses:
Beginning Balance	1,949,024	3,850,294	3,850,294
Charge-offs	0	(43,349)	(1,003,824)
Recoveries	992	469	51,350
Provision	(126,476)	(1,014,365)	(948,796)
Ending Balance	1,823,540	2,793,049	1,949,024
Ending balance: individually evaluated for impairment	307,930	892,200	353,883
Ending balance: collectively evaluated for impairment	1,515,610	1,900,849	1,595,141
Loan receivables:
Ending balance	88,045,436	93,410,257	88,157,606
Ending balance: individually evaluated for impairment	9,107,430	18,451,306	8,778,681
Ending balance: collectively evaluated for impairment	78,938,006	74,958,951	79,378,925
Commercial Equipment [Member]
Allowance for loan losses:
Beginning Balance	292,281	223,296	223,296
Charge-offs	0	0	(168,802)
Recoveries	49,613	0	0
Provision	(172,964)	138,515	237,787
Ending Balance	168,930	361,811	292,281
Ending balance: individually evaluated for impairment	24,703	150,010	4,421
Ending balance: collectively evaluated for impairment	144,227	211,801	287,860
Loan receivables:
Ending balance	15,728,491	18,567,449	16,267,684
Ending balance: individually evaluated for impairment	220,206	237,977	4,421
Ending balance: collectively evaluated for impairment	$ 15,508,285	$ 18,329,472	$ 16,263,263