LOANS (Allowance for Credit Losses on Financing Receivables) (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
Allowance for loan losses:
Beginning Balance	$ 8,033,553	$ 7,464,137	$ 8,246,957	$ 7,655,041	$ 7,655,041
Charge-offs	(249,982)	(114,512)	(892,306)	(1,122,128)	(2,026,626)
Recoveries	10,096	452	84,416	39,659	89,861
Provision for loan losses	285,610	746,075	640,210	1,523,580	2,528,681
Ending Balance	8,079,277	8,096,152	8,079,277	8,096,152	8,246,957
Ending balance: individually evaluated for impairment	1,044,770	2,030,855	1,044,770	2,030,855	1,547,657
Ending balance: collectively evaluated for impairment	7,034,507	6,065,297	7,034,507	6,065,297	6,699,300
Loan receivables:
Loans	768,840,090	741,017,579	768,840,090	741,017,579	756,552,319
Ending balance: individually evaluated for impairment	40,550,169	45,601,099	40,550,169	45,601,099	38,990,435
Ending balance: collectively evaluated for impairment	728,289,921	695,416,480	728,289,921	695,416,480	717,561,884
Commercial Equipment [Member]
Allowance for loan losses:
Beginning Balance	216,560	287,722	292,281	223,296	223,296
Charge-offs	(31)	(90)	(22,008)	(149,884)	(168,802)
Recoveries	9,746		59,293
Provision for loan losses	56,207	20,532	(47,084)	234,752	237,787
Ending Balance	282,482	308,164	282,482	308,164	292,281
Ending balance: individually evaluated for impairment	22,875	4,715	22,875	4,715	4,421
Ending balance: collectively evaluated for impairment	259,607	303,449	259,607	303,449	287,860
Loan receivables:
Loans	21,085,197	17,246,112	21,085,197	17,246,112	16,267,684
Ending balance: individually evaluated for impairment	316,662	4,715	316,662	4,715	4,421
Ending balance: collectively evaluated for impairment	20,768,535	17,241,397	20,768,535	17,241,397	16,263,263
Commercial Loans [Member]
Allowance for loan losses:
Beginning Balance	1,519,332	1,968,491	1,949,024	3,850,294	3,850,294
Charge-offs	(28,576)	(413)	(434,149)	(693,461)	(1,003,824)
Recoveries	168	23	12,059	1,983	51,350
Provision for loan losses	272,009	(14,062)	235,999	(1,204,777)	(948,796)
Ending Balance	1,762,933	1,954,039	1,762,933	1,954,039	1,949,024
Ending balance: individually evaluated for impairment	291,821	499,654	291,821	499,654	353,883
Ending balance: collectively evaluated for impairment	1,471,112	1,454,385	1,471,112	1,454,385	1,595,141
Loan receivables:
Loans	86,504,220	86,057,488	86,504,220	86,057,488	88,157,606
Ending balance: individually evaluated for impairment	11,054,771	12,972,808	11,054,771	12,972,808	8,778,681
Ending balance: collectively evaluated for impairment	75,449,449	73,084,680	75,449,449	73,084,680	79,378,925
Consumer Loans [Member]
Allowance for loan losses:
Beginning Balance	13,972	18,316	19,341	19,119	19,119
Charge-offs	(1,012)		(10,003)	(999)	(4,994)
Recoveries	28		2,010		987
Provision for loan losses	1,539	1,505	3,179	1,701	4,229
Ending Balance	14,527	19,821	14,527	19,821	19,341
Ending balance: collectively evaluated for impairment	14,527	19,821	14,527	19,821	19,341
Loan receivables:
Loans	901,800	1,047,046	901,800	1,047,046	995,206
Ending balance: individually evaluated for impairment	31,935	60,925	31,935	60,925	51,748
Ending balance: collectively evaluated for impairment	869,865	986,121	869,865	986,121	943,458
Home Equity and Second Mortgage [Member]
Allowance for loan losses:
Beginning Balance	364,281	212,791	279,819	143,543	143,543
Charge-offs	(155)	(46,989)	(111,038)	(88,931)	(210,753)
Provision for loan losses	(45,812)	18,402	149,533	129,592	347,029
Ending Balance	318,314	184,204	318,314	184,204	279,819
Ending balance: individually evaluated for impairment		21,855		21,855
Ending balance: collectively evaluated for impairment	318,314	162,349	318,314	162,349	279,819
Loan receivables:
Loans	21,711,980	21,940,441	21,711,980	21,940,441	21,982,375
Ending balance: individually evaluated for impairment	58,000	293,855	58,000	293,855	291,000
Ending balance: collectively evaluated for impairment	21,653,980	21,646,586	21,653,980	21,646,586	21,691,375
Construction and Land Development [Member]
Allowance for loan losses:
Beginning Balance	600,525	596,854	533,430	354,385	354,385
Charge-offs	(50)	(5,995)	(36,012)	(5,995)	(140,835)
Provision for loan losses	(131,581)	40,378	(28,524)	282,847	319,880
Ending Balance	468,894	631,237	468,894	631,237	533,430
Ending balance: individually evaluated for impairment		134,500		134,500
Ending balance: collectively evaluated for impairment	468,894	496,737	468,894	496,737	533,430
Loan receivables:
Loans	31,113,145	31,639,206	31,113,145	31,639,206	31,818,782
Ending balance: individually evaluated for impairment	5,349,737	5,217,025	5,349,737	5,217,025	4,877,868
Ending balance: collectively evaluated for impairment	25,763,408	26,422,181	25,763,408	26,422,181	26,940,914
Residential Mortgage [Member]
Allowance for loan losses:
Beginning Balance	1,960,882	901,505	1,083,228	539,205	539,205
Charge-offs	(80,110)	(10,991)	(139,048)	(10,991)	(10,987)
Recoveries	154	429	11,054	37,676	37,524
Provision for loan losses	(177,787)	(3,991)	747,905	321,062	517,486
Ending Balance	1,703,139	886,952	1,703,139	886,952	1,083,228
Ending balance: individually evaluated for impairment	170,741	247,541	170,741	247,541	403,475
Ending balance: collectively evaluated for impairment	1,532,398	639,411	1,532,398	639,411	679,753
Loan receivables:
Loans	161,861,710	176,825,516	161,861,710	176,825,516	177,663,354
Ending balance: individually evaluated for impairment	3,882,548	4,011,851	3,882,548	4,011,851	3,367,827
Ending balance: collectively evaluated for impairment	157,979,162	172,813,665	157,979,162	172,813,665	174,295,527
Commercial Real Estate [Member]
Allowance for loan losses:
Beginning Balance	3,358,001	3,478,458	4,089,834	2,525,199	2,525,199
Charge-offs	(140,048)	(50,034)	(140,048)	(171,867)	(486,431)
Provision for loan losses	311,035	683,311	(420,798)	1,758,403	2,051,066
Ending Balance	3,528,988	4,111,735	3,528,988	4,111,735	4,089,834
Ending balance: individually evaluated for impairment	559,333	1,122,590	559,333	1,122,590	785,878
Ending balance: collectively evaluated for impairment	2,969,655	2,989,145	2,969,655	2,989,145	3,303,956
Loan receivables:
Loans	445,662,038	406,261,770	445,662,038	406,261,770	419,667,312
Ending balance: individually evaluated for impairment	19,856,516	23,039,920	19,856,516	23,039,920	21,618,890
Ending balance: collectively evaluated for impairment	$ 425,805,522	$ 383,221,850	$ 425,805,522	$ 383,221,850	$ 398,048,422