OTHER REAL ESTATE OWNED ("OREO") (Foreclosed Real Estate Expenses) (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]
Valuation allowance	$ 170,560	$ 31,050	$ 500,536	$ 657,226	$ 674,205
Operating expenses	41,080	54,529	105,168	85,374
Miscellaneous expenses	$ 211,640	$ 85,579	$ 605,704	$ 742,600