LOANS (Allowance for Credit Losses on Financing Receivables) (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
Allowance for loan losses:
Beginning Balance	$ 8,350,000	$ 7,915,798	$ 8,246,957	$ 7,655,041	$ 7,655,041
Charge-offs	(538,605)	(926,830)	(642,324)	(1,007,616)	(2,026,626)
Recoveries	21,731	38,738	74,320	39,207	89,861
Provision for loan losses	200,427	436,431	354,600	777,505	2,528,681
Ending Balance	8,033,553	7,464,137	8,033,553	7,464,137	8,246,957
Ending balance: individually evaluated for impairment	1,233,668	1,518,108	1,233,668	1,518,108	1,547,657
Ending balance: collectively evaluated for impairment	6,799,885	5,946,029	6,799,885	5,946,029	6,699,300
Loan receivables:
Loans	754,215,596	742,664,288	754,215,596	742,664,288	756,552,319
Ending balance: individually evaluated for impairment	43,213,366	72,686,698	43,213,366	72,686,698	38,990,435
Ending balance: collectively evaluated for impairment	711,002,230	669,977,590	711,002,230	669,977,590	717,561,884
Commercial Equipment [Member]
Allowance for loan losses:
Beginning Balance	168,930	361,811	292,281	223,296	223,296
Charge-offs	(21,977)	(149,794)	(21,977)	(149,794)	(168,802)
Recoveries	(66)		49,547
Provision for loan losses	69,673	75,705	(103,291)	214,220	237,787
Ending Balance	216,560	287,722	216,560	287,722	292,281
Ending balance: individually evaluated for impairment	3,364		3,364		4,421
Ending balance: collectively evaluated for impairment	213,196	287,722	213,196	287,722	287,860
Loan receivables:
Loans	17,347,472	17,151,518	17,347,472	17,151,518	16,267,684
Ending balance: individually evaluated for impairment	155,157	803,700	155,157	803,700	4,421
Ending balance: collectively evaluated for impairment	17,192,315	16,347,818	17,192,315	16,347,818	16,263,263
Commercial Loans [Member]
Allowance for loan losses:
Beginning Balance	1,823,540	2,793,049	1,949,024	3,850,294	3,850,294
Charge-offs	(405,573)	(649,699)	(405,573)	(693,048)	(1,003,824)
Recoveries	10,899	1,491	11,891	1,960	51,350
Provision for loan losses	90,466	(176,350)	(36,010)	(1,190,715)	(948,796)
Ending Balance	1,519,332	1,968,491	1,519,332	1,968,491	1,949,024
Ending balance: individually evaluated for impairment	39,871	484,937	39,871	484,937	353,883
Ending balance: collectively evaluated for impairment	1,479,461	1,483,554	1,479,461	1,483,554	1,595,141
Loan receivables:
Loans	84,992,780	93,096,685	84,992,780	93,096,685	88,157,606
Ending balance: individually evaluated for impairment	11,387,777	18,536,881	11,387,777	18,536,881	8,778,681
Ending balance: collectively evaluated for impairment	73,605,003	74,559,804	73,605,003	74,559,804	79,378,925
Consumer Loans [Member]
Allowance for loan losses:
Beginning Balance	17,086	18,350	19,341	19,119	19,119
Charge-offs	(15)	(14)	(8,991)	(999)	(4,994)
Recoveries	990		1,982		987
Provision for loan losses	(4,089)	(20)	1,640	196	4,229
Ending Balance	13,972	18,316	13,972	18,316	19,341
Ending balance: collectively evaluated for impairment	13,972	18,316	13,972	18,316	19,341
Loan receivables:
Loans	937,147	1,007,453	937,147	1,007,453	995,206
Ending balance: individually evaluated for impairment	41,498	68,192	41,498	68,192	51,748
Ending balance: collectively evaluated for impairment	895,649	939,261	895,649	939,261	943,458
Home Equity and Second Mortgage [Member]
Allowance for loan losses:
Beginning Balance	318,271	265,138	279,819	143,543	143,543
Charge-offs	(110,883)	(41,942)	(110,883)	(41,942)	(210,753)
Provision for loan losses	156,893	(10,405)	195,345	111,190	347,029
Ending Balance	364,281	212,791	364,281	212,791	279,819
Ending balance: individually evaluated for impairment		47,200		47,200
Ending balance: collectively evaluated for impairment	364,281	165,591	364,281	165,591	279,819
Loan receivables:
Loans	21,769,081	22,525,909	21,769,081	22,525,909	21,982,375
Ending balance: individually evaluated for impairment	214,000	409,348	214,000	409,348	291,000
Ending balance: collectively evaluated for impairment	21,555,081	22,116,561	21,555,081	22,116,561	21,691,375
Construction and Land Development [Member]
Allowance for loan losses:
Beginning Balance	497,078	448,406	533,430	354,385	354,385
Charge-offs	(59)		(35,962)		(140,835)
Provision for loan losses	103,506	148,448	103,057	242,469	319,880
Ending Balance	600,525	596,854	600,525	596,854	533,430
Ending balance: individually evaluated for impairment	169,710	134,500	169,710	134,500
Ending balance: collectively evaluated for impairment	430,815	462,354	430,815	462,354	533,430
Loan receivables:
Loans	29,119,080	32,405,839	29,119,080	32,405,839	31,818,782
Ending balance: individually evaluated for impairment	5,705,211	7,812,520	5,705,211	7,812,520	4,877,868
Ending balance: collectively evaluated for impairment	23,413,869	24,593,319	23,413,869	24,593,319	26,940,914
Residential Mortgage [Member]
Allowance for loan losses:
Beginning Balance	1,985,165	644,008	1,083,228	539,205	539,205
Charge-offs	(98)		(58,938)		(10,987)
Recoveries	9,908	37,247	10,900	37,247	37,524
Provision for loan losses	(34,093)	220,250	925,692	325,053	517,486
Ending Balance	1,960,882	901,505	1,960,882	901,505	1,083,228
Ending balance: individually evaluated for impairment	406,966	247,408	406,966	247,408	403,475
Ending balance: collectively evaluated for impairment	1,553,916	654,097	1,553,916	654,097	679,753
Loan receivables:
Loans	165,433,554	178,459,492	165,433,554	178,459,492	177,663,354
Ending balance: individually evaluated for impairment	5,236,064	6,328,588	5,236,064	6,328,588	3,367,827
Ending balance: collectively evaluated for impairment	160,197,490	172,130,904	160,197,490	172,130,904	174,295,527
Commercial Real Estate [Member]
Allowance for loan losses:
Beginning Balance	3,539,930	3,385,036	4,089,834	2,525,199	2,525,199
Charge-offs		(85,381)		(121,833)	(486,431)
Provision for loan losses	(181,929)	178,803	(731,833)	1,075,092	2,051,066
Ending Balance	3,358,001	3,478,458	3,358,001	3,478,458	4,089,834
Ending balance: individually evaluated for impairment	613,757	604,063	613,757	604,063	785,878
Ending balance: collectively evaluated for impairment	2,744,244	2,874,395	2,744,244	2,874,395	3,303,956
Loan receivables:
Loans	434,616,482	398,017,392	434,616,482	398,017,392	419,667,312
Ending balance: individually evaluated for impairment	20,473,659	38,727,469	20,473,659	38,727,469	21,618,890
Ending balance: collectively evaluated for impairment	$ 414,142,823	$ 359,289,923	$ 414,142,823	$ 359,289,923	$ 398,048,422