OTHER REAL ESTATE OWNED (Foreclosed Real Estate Roll Forward) (Details) (USD $)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012	Dec. 31, 2012
OTHER REAL ESTATE OWNED [Abstract]
Balance at beginning of year			$ 6,891,353	$ 5,028,513	$ 5,028,513
Additions of underlying property			370,800	1,555,770	4,020,494
Disposals of underlying property				(395,949)	(1,483,449)
Valuation allowance	(19,476)	(326,176)	(329,976)	(626,176)	(674,205)
Balance at end of period	$ 6,932,177	$ 5,562,158	$ 6,932,177	$ 5,562,158	$ 6,891,353