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OTHER REAL ESTATE OWNED ("OREO") (Narrative) (Details) (USD $)
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Schedule of Trading Securities and Other Trading Assets [Line Items]        
Gains on sale of OREO     $ 215,345  
Proceeds from sale of foreclosed real estate     712,945 344,512
Recognition of deferred gain from sale of OREO     225,000  
Unrealized losses on sale of foreclosed assets       96,917
Operating expenses 41,080 54,529 105,168 85,374
Foreclosed Real Estate [Member]
       
Schedule of Trading Securities and Other Trading Assets [Line Items]        
Gains on sale of OREO     9,655  
Operating expenses     $ 7,600