FAIR VALUE OF FINANCIAL INSTRUMENTS (Fair Value, by Balance Sheet Grouping) (Details) (USD $)	Jun. 30, 2013	Dec. 31, 2012	Jun. 30, 2012	Dec. 31, 2011
Assets
Investment securities - AFS, Carrying amount	$ 54,103,851	$ 47,205,663
Investment securities - HTM, Carrying amount	99,896,483	112,619,434
Federal Home Loan Bank and Federal Reserve Stock, Carrying Amount	6,666,550	5,476,050
Loans, Carrying amount	745,251,604	747,640,752
Other real estate owned, Carrying amount	6,932,177	6,891,353	5,562,158	5,028,513
Investment securities - AFS, Fair value	54,103,851	47,205,663
Investment securities - HTM, Fair value	100,016,728	114,187,018
Federal Home Loan Bank and Federal Reserve Stock, Fair value	7,435,000	5,469,000
Loans, Fair value	748,066,000	757,387,000
Other real estate owned, Fair value	6,932,177	6,891,353
Liabilities [Abstract]
Savings, NOW and money market accounts, Carrying amount	389,768,518	414,776,285
Time deposits, Carrying amount	394,912,719	405,454,003
Long-term debt, Carrying amount	70,501,763	60,527,208
Short term borrowings, Carrying amount	24,000,000	1,000,000
Guaranteed preferred beneficial interest in junior subordinated debentures, Carrying amount	12,000,000	12,000,000
Savings, NOW and money market accounts, Fair value	389,768,518	414,776,285
Time deposits, Fair value	39,816,500	410,257,000
Long-term debt, Fair value	72,077,000	64,252,000
Short term borrowings, Fair value	24,007,000	1,000,000
Guaranteed preferred beneficial interest in junior subordinated debentures, Fair value	2,400,000	2,400,000
Fair Value, Inputs, Level 1 [Member]
Assets
Investment securities - HTM, Fair value	849,953	749,941
Fair Value, Inputs, Level 2 [Member]
Assets
Investment securities - AFS, Fair value	54,103,851	47,205,663
Investment securities - HTM, Fair value	99,166,775	113,437,077
Federal Home Loan Bank and Federal Reserve Stock, Fair value	7,435,000	5,469,000
Loans, Fair value	748,066,000	757,387,000
Other real estate owned, Fair value	6,932,177	6,891,353
Liabilities [Abstract]
Savings, NOW and money market accounts, Fair value	389,768,518	414,776,285
Time deposits, Fair value	39,816,500	410,257,000
Long-term debt, Fair value	72,077,000	64,252,000
Short term borrowings, Fair value	24,007,000	1,000,000
Guaranteed preferred beneficial interest in junior subordinated debentures, Fair value	$ 2,400,000	$ 2,400,000