LOANS (Schedule of Accounts, Notes, Loans and Financing Receivable) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 768,840,090	$ 756,552,319	$ 741,017,579
Less:
Deferred loan fees	880,086	664,610
Allowance for loan loss	8,079,277	8,246,957
Loans And Leases Receivable Adjustments	8,959,363	8,911,567
Loans And Leases Receivable Net Reported Amount	759,880,727	747,640,752
Commercial Equipment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	21,085,197	16,267,684	17,246,112
Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	901,800	995,206	1,047,046
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	86,504,220	88,157,606	86,057,488
Home Equity and Second Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	21,711,980	21,982,375	21,940,441
Construction and Land Development [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	31,113,145	31,818,782	31,639,206
Residential Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	161,861,710	177,663,354	176,825,516
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 445,662,038	$ 419,667,312	$ 406,261,770