LOANS (Schedule of Financing Receivables, Non Accrual Status) (Details) (USD $)	Sep. 30, 2013 loan	Dec. 31, 2012 loan
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or Greater Days Delinquent	$ 11,089,722	$ 8,717,017
Number of Loans, 90 or Greater Days Delinquent	31	34
Nonaccrual Performing Loans	4,325,912	4,424,388
Number Of Loans, Nonaccrual Performing Loans	6	6
Total Dollars	15,415,634	13,141,405
Total Number of loans	37	40
Commercial Equipment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or Greater Days Delinquent	316,662	216,383
Number of Loans, 90 or Greater Days Delinquent	5	4
Total Dollars	316,662	216,383
Total Number of loans	5	4
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Performing Loans	31,935	51,748
Number Of Loans, Nonaccrual Performing Loans	1	1
Total Dollars	31,935	51,748
Total Number of loans	1	1
Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or Greater Days Delinquent	5,670,331	3,732,090
Number of Loans, 90 or Greater Days Delinquent	10	11
Total Dollars	5,670,331	3,732,090
Total Number of loans	10	11
Home Equity and Second Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or Greater Days Delinquent		71,296
Number of Loans, 90 or Greater Days Delinquent		2
Total Dollars		71,296
Total Number of loans		2
Residential Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or Greater Days Delinquent	2,155,122	3,169,404
Number of Loans, 90 or Greater Days Delinquent	7	10
Nonaccrual Performing Loans	565,802	569,693
Number Of Loans, Nonaccrual Performing Loans	3	3
Total Dollars	2,720,924	3,739,097
Total Number of loans	10	13
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or Greater Days Delinquent	2,947,607	1,527,844
Number of Loans, 90 or Greater Days Delinquent	9	7
Nonaccrual Performing Loans	3,728,175	3,802,947
Number Of Loans, Nonaccrual Performing Loans	2	2
Total Dollars	$ 6,675,782	$ 5,330,791
Total Number of loans	11	9