LOANS (Schedule of Financing Receivables, Non Accrual Status) (Details) (USD $)	Jun. 30, 2013 loan	Dec. 31, 2012 loan
90 or Greater Days Delinquent	$ 12,304,205	$ 8,717,017
Number of Loans, 90 or Greater Days Delinquent	30	34
Nonaccrual Performing Loans	4,331,630	4,424,388
Number Of Loans, Nonaccrual Performing Loans	6	6
Total Dollars	16,635,835	13,141,405
Total Number of loans	36	40
Commercial Equipment [Member]
90 or Greater Days Delinquent	151,793	216,383
Number of Loans, 90 or Greater Days Delinquent	2	4
Total Dollars	151,793	216,383
Total Number of loans	2	4
Consumer Loans [Member]
Nonaccrual Performing Loans	41,498	51,748
Number Of Loans, Nonaccrual Performing Loans	1	1
Total Dollars	41,498	51,748
Total Number of loans	1	1
Commercial Loans [Member]
90 or Greater Days Delinquent	6,009,421	3,732,090
Number of Loans, 90 or Greater Days Delinquent	11	11
Total Dollars	6,009,421	3,732,090
Total Number of loans	11	11
Home Equity and Second Mortgage [Member]
90 or Greater Days Delinquent		71,296
Number of Loans, 90 or Greater Days Delinquent		2
Total Dollars		71,296
Total Number of loans		2
Residential Mortgage [Member]
90 or Greater Days Delinquent	2,979,534	3,169,404
Number of Loans, 90 or Greater Days Delinquent	9	10
Nonaccrual Performing Loans	562,994	569,693
Number Of Loans, Nonaccrual Performing Loans	3	3
Total Dollars	3,542,528	3,739,097
Total Number of loans	12	13
Commercial Real Estate [Member]
90 or Greater Days Delinquent	3,163,457	1,527,844
Number of Loans, 90 or Greater Days Delinquent	8	7
Nonaccrual Performing Loans	3,727,138	3,802,947
Number Of Loans, Nonaccrual Performing Loans	2	2
Total Dollars	$ 6,890,595	$ 5,330,791
Total Number of loans	10	9