LOANS (Schedule of Financing Receivable Recorded Investment Credit Quality Indicator) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
Loans	$ 768,840,090	$ 756,552,319	$ 741,017,579
Commercial Equipment [Member]
Loans	21,085,197	16,267,684	17,246,112
Commercial Equipment [Member] | Unrated [Member]
Loans	5,938,295	5,082,713
Commercial Equipment [Member] | Pass [Member]
Loans	15,121,129	11,180,550
Commercial Equipment [Member] | Special Mention [Member]
Loans	2,898
Commercial Equipment [Member] | Substandard [Member]
Loans	22,875	4,421
Commercial Loans [Member]
Loans	86,504,220	88,157,606	86,057,488
Commercial Loans [Member] | Unrated [Member]
Loans	11,401,481	11,627,726
Commercial Loans [Member] | Pass [Member]
Loans	60,365,389	64,436,809
Commercial Loans [Member] | Special Mention [Member]
Loans	402,000
Commercial Loans [Member] | Substandard [Member]
Loans	14,335,350	12,093,071
Consumer Loans [Member]
Loans	901,800	995,206	1,047,046
Consumer Loans [Member] | Performing Financing Receivable [Member]
Loans	901,800	995,206
Home Equity and Second Mortgage [Member]
Loans	21,711,980	21,982,375	21,940,441
Home Equity and Second Mortgage [Member] | Performing Financing Receivable [Member]
Loans	21,711,980	21,911,079
Home Equity and Second Mortgage [Member] | Nonperforming Financing Receivable [Member]
Loans		71,296
Residential Mortgage [Member]
Loans	161,861,710	177,663,354	176,825,516
Residential Mortgage [Member] | Performing Financing Receivable [Member]
Loans	159,706,588	174,493,950
Residential Mortgage [Member] | Nonperforming Financing Receivable [Member]
Loans	2,155,122	3,169,404
Construction and Land Development [Member]
Loans	31,113,145	31,818,782	31,639,206
Construction and Land Development [Member] | Unrated [Member]
Loans	4,339,477	4,330,321
Construction and Land Development [Member] | Pass [Member]
Loans	18,631,753	19,752,749
Construction and Land Development [Member] | Substandard [Member]
Loans	8,141,915	7,735,712
Commercial Real Estate [Member]
Loans	445,662,038	419,667,312	406,261,770
Commercial Real Estate [Member] | Unrated [Member]
Loans	63,842,162	59,930,126
Commercial Real Estate [Member] | Pass [Member]
Loans	351,452,830	329,882,941
Commercial Real Estate [Member] | Special Mention [Member]
Loans	5,790,532	4,880,758
Commercial Real Estate [Member] | Substandard [Member]
Loans	$ 24,576,514	$ 24,973,487