LOANS (Past Due Financing Receivables) (Details) (USD $)	Jun. 30, 2013	Dec. 31, 2012	Jun. 30, 2012
Current	$ 740,565,108	$ 744,659,871
31-60 Days	211,816	829,306
61-89 Days	1,134,467	2,346,125
90 or Greater Days	12,304,205	8,717,017
Total Past Due	13,650,488	11,892,448
Total Loan Receivables	754,215,596	756,552,319	742,664,288
Commercial Equipment [Member]
Current	17,144,025	15,659,007
31-60 Days	26,656	371,921
61-89 Days	24,998	20,373
90 or Greater Days	151,793	216,383
Total Past Due	203,447	608,677
Total Loan Receivables	17,347,472	16,267,684	17,151,518
Consumer Loans [Member]
Current	936,737	983,094
31-60 Days	410	9,363
61-89 Days		2,749
Total Past Due	410	12,112
Total Loan Receivables	937,147	995,206	1,007,453
Commercial Loans [Member]
Current	78,893,319	84,384,426
31-60 Days	90,040
61-89 Days		41,090
90 or Greater Days	6,009,421	3,732,090
Total Past Due	6,099,461	3,773,180
Total Loan Receivables	84,992,780	88,157,606	93,096,685
Home Equity and Second Mortgage [Member]
Current	21,617,047	21,499,018
31-60 Days	94,710	350,715
61-89 Days	57,324	61,346
90 or Greater Days		71,296
Total Past Due	152,034	483,357
Total Loan Receivables	21,769,081	21,982,375	22,525,909
Construction and Land Development [Member]
Current	29,119,080	31,818,782
Total Loan Receivables	29,119,080	31,818,782	32,405,839
Residential Mortgage [Member]
Current	161,686,085	173,593,886
31-60 Days		97,307
61-89 Days	767,935	802,757
90 or Greater Days	2,979,534	3,169,404
Total Past Due	3,747,469	4,069,468
Total Loan Receivables	165,433,554	177,663,354	178,459,492
Commercial Real Estate [Member]
Current	431,168,815	416,721,658
61-89 Days	284,210	1,417,810
90 or Greater Days	3,163,457	1,527,844
Total Past Due	3,447,667	2,945,654
Total Loan Receivables	$ 434,616,482	$ 419,667,312	$ 398,017,392