LOANS (Details 3) (USD $)	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012
Current	$ 727,116,256	$ 744,659,871
31-60 Days	4,036,113	829,306
61-89 Days	3,274,266	2,346,125
90 or Greater Days	9,504,915	8,717,017
Total Past Due	16,815,294	11,892,448
Total Loan Receivables	743,931,550	756,552,319	731,621,458
Commercial Real Estate [Member]
Current	411,789,049	416,721,658
31-60 Days	3,059,985	0
61-89 Days	0	1,417,810
90 or Greater Days	2,556,284	1,527,844
Total Past Due	5,616,269	2,945,654
Total Loan Receivables	417,405,318	419,667,312	387,062,534
Residential Mortgage [Member]
Current	165,428,069	173,593,886
31-60 Days	784,556	97,307
61-89 Days	0	802,757
90 or Greater Days	2,876,028	3,169,404
Total Past Due	3,660,584	4,069,468
Total Loan Receivables	169,088,653	177,663,354	171,910,733
Construction and Land Development [Member]
Current	31,061,899	31,818,782
31-60 Days	0	0
61-89 Days	0	0
90 or Greater Days	0	0
Total Past Due	0	0
Total Loan Receivables	31,061,899	31,818,782	36,254,152
Home Equity and Second Mortgage [Member]
Current	21,305,488	21,499,018
31-60 Days	85,782	350,715
61-89 Days	0	61,346
90 or Greater Days	187,502	71,296
Total Past Due	273,284	483,357
Total Loan Receivables	21,578,772	21,982,375	23,455,588
Commercial Loan [Member]
Current	81,092,489	84,384,426
31-60 Days	9,963	0
61-89 Days	3,274,266	41,090
90 or Greater Days	3,668,718	3,732,090
Total Past Due	6,952,947	3,773,180
Total Loan Receivables	88,045,436	88,157,606	93,410,257
Consumer Loan [Member]
Current	1,022,981	983,094
31-60 Days	0	9,363
61-89 Days	0	2,749
90 or Greater Days	0	0
Total Past Due	0	12,112
Total Loan Receivables	1,022,981	995,206	960,745
Commercial Equipment [Member]
Current	15,416,281	15,659,007
31-60 Days	95,827	371,921
61-89 Days	0	20,373
90 or Greater Days	216,383	216,383
Total Past Due	312,210	608,677
Total Loan Receivables	$ 15,728,491	$ 16,267,684	$ 18,567,449