LOANS (Details 5) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2013	Mar. 31, 2012	Dec. 31, 2012
Unpaid Contractual Principal Balance	$ 42,240,150	$ 21,796,252	$ 38,990,435
Recorded Investment With No Allowance	38,090,709	9,993,698	34,717,598
Recorded Investment With Allowance	4,124,703	11,394,904	4,272,836
Total Recorded Investment	42,215,412	21,388,602	38,990,435
Related Allowance	1,583,810	2,132,896	1,547,657
Average Recorded Investment	41,004,388	21,400,043	40,127,336
Interest Income Recognized	452,573	204,642	1,850,050
Commercial Real Estate [Member]
Unpaid Contractual Principal Balance	22,599,139	12,629,243	21,618,890
Recorded Investment With No Allowance	19,762,215	5,475,024	18,804,478
Recorded Investment With Allowance	2,836,924	6,746,569	2,814,412
Total Recorded Investment	22,599,139	12,221,593	21,618,890
Related Allowance	767,349	788,146	785,878
Average Recorded Investment	21,639,940	12,232,296	22,501,842
Interest Income Recognized	250,517	154,142	1,119,715
Residential Mortgage [Member]
Unpaid Contractual Principal Balance	5,137,875	1,525,146	3,367,827
Recorded Investment With No Allowance	4,224,822	907,368	2,362,062
Recorded Investment With Allowance	913,053	617,778	1,005,765
Total Recorded Investment	5,137,875	1,525,146	3,367,827
Related Allowance	444,028	113,000	403,475
Average Recorded Investment	5,180,228	1,525,217	3,388,867
Interest Income Recognized	51,605	20,023	157,595
Construction and Land Development [Member]
Unpaid Contractual Principal Balance	4,627,433	3,130,466	4,877,868
Recorded Investment With No Allowance	4,621,596	1,716,916	4,877,868
Recorded Investment With Allowance	0	1,413,550	0
Total Recorded Investment	4,621,596	3,130,466	4,877,868
Related Allowance	0	100,000	0
Average Recorded Investment	4,468,755	3,130,466	4,792,982
Interest Income Recognized	68,575	12,818	276,260
Home Equity and Second Mortgage [Member]
Unpaid Contractual Principal Balance	482,502	143,858	291,000
Recorded Investment With No Allowance	442,702	0	291,000
Recorded Investment With Allowance	39,800	143,858	0
Total Recorded Investment	482,502	143,858	291,000
Related Allowance	39,800	89,540	0
Average Recorded Investment	484,854	143,858	221,000
Interest Income Recognized	2,914	0	6,783
Commercial Equipment [Member]
Unpaid Contractual Principal Balance	239,107	150,010	4,421
Recorded Investment With No Allowance	195,355	0	0
Recorded Investment With Allowance	24,851	150,010	4,421
Total Recorded Investment	220,206	150,010	4,421
Related Allowance	24,703	150,010	4,421
Average Recorded Investment	240,402	150,677	5,112
Interest Income Recognized	114	927	318
Commercial Loan [Member]
Unpaid Contractual Principal Balance	9,107,430	4,217,529	8,778,681
Recorded Investment With No Allowance	8,797,355	1,894,390	8,330,442
Recorded Investment With Allowance	310,075	2,323,139	448,238
Total Recorded Investment	9,107,430	4,217,529	8,778,681
Related Allowance	307,930	892,200	353,883
Average Recorded Investment	8,941,164	4,217,529	9,153,074
Interest Income Recognized	78,014	16,732	284,095
Consumer Loan [Member]
Unpaid Contractual Principal Balance	46,664		51,748
Recorded Investment With No Allowance	46,664		51,748
Recorded Investment With Allowance	0		0
Total Recorded Investment	46,664		51,748
Related Allowance	0		0
Average Recorded Investment	49,045		64,459
Interest Income Recognized	$ 834		$ 5,284