OTHER REAL ESTATE OWNED ("OREO") (Foreclosed Real Estate Roll Forward) (Details) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
OTHER REAL ESTATE OWNED ("OREO") [Abstract]
Balance at beginning of year			$ 6,891,353	$ 5,028,513	$ 5,028,513
Additions of underlying property			1,390,286	2,165,375	4,020,494
Disposals of underlying property			(722,599)	(441,429)	(1,483,449)
Valuation allowance	(170,560)	(31,050)	(500,536)	(657,226)	(674,205)
Balance at end of period	$ 7,058,504	$ 6,095,233	$ 7,058,504	$ 6,095,233	$ 6,891,353