LOANS (Impaired 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
Unpaid Contractual Principal Balance	$ 40,738,183	$ 46,658,749	$ 40,738,183	$ 46,658,749	$ 38,990,435
Recorded Investment With No Allowance	35,134,448	39,659,384	35,134,448	39,659,384	34,717,598
Recorded Investment With Allowance	5,415,721	5,941,716	5,415,721	5,941,716	4,272,836
Total Recorded Investment	40,550,169	45,601,099	40,550,169	45,601,099	38,990,435
Related Allowance	1,044,770	2,030,855	1,044,770	2,030,855	1,547,657
Average Recorded Investment	40,805,293	46,097,070	40,971,848	47,152,273	40,127,336
Interest Income Recognized	385,340	517,697	1,261,145	1,531,715	1,850,050
Consumer Loans [Member]
Unpaid Contractual Principal Balance	31,935	60,925	31,935	60,925	51,748
Recorded Investment With No Allowance	31,935	60,925	31,935	60,925	51,748
Total Recorded Investment	31,935	60,925	31,935	60,925	51,748
Average Recorded Investment	36,393	63,492	43,199	70,365	64,459
Interest Income Recognized	1,112	1,557	2,759	4,500	5,284
Commercial Loans [Member]
Unpaid Contractual Principal Balance	11,054,771	13,572,808	11,054,771	13,572,808	8,778,681
Recorded Investment With No Allowance	10,333,950	12,196,993	10,333,950	12,196,993	8,330,442
Recorded Investment With Allowance	720,821	775,815	720,821	775,815	448,238
Total Recorded Investment	11,054,771	12,972,808	11,054,771	12,972,808	8,778,681
Related Allowance	291,821	499,654	291,821	499,654	353,883
Average Recorded Investment	11,028,319	13,486,660	10,967,594	13,871,661	9,153,074
Interest Income Recognized	66,604	105,044	292,138	321,821	284,095
Commercial Equipment [Member]
Unpaid Contractual Principal Balance	335,563	4,715	335,563	4,715	4,421
Recorded Investment With No Allowance	293,787		293,787
Recorded Investment With Allowance	22,875	4,715	22,875	4,715	4,421
Total Recorded Investment	316,662	4,715	316,662	4,715	4,421
Related Allowance	22,875	4,715	22,875	4,715	4,421
Average Recorded Investment	336,106	4,909	350,886	5,309	5,112
Interest Income Recognized	1,238	83	7,740	266	318
Home Equity and Second Mortgage [Member]
Unpaid Contractual Principal Balance	58,000	293,855	58,000	293,855	291,000
Recorded Investment With No Allowance	58,000	272,000	58,000	272,000	291,000
Recorded Investment With Allowance		21,855		21,855
Total Recorded Investment	58,000	293,855	58,000	293,855	291,000
Related Allowance		21,855		21,855
Average Recorded Investment	120,000	246,399	216,556	220,572	221,000
Interest Income Recognized	1,486	1,870	6,016	5,373	6,783
Construction and Land Development [Member]
Unpaid Contractual Principal Balance	5,349,737	5,217,025	5,349,737	5,217,025	4,877,868
Recorded Investment With No Allowance	5,349,737	5,082,525	5,349,737	5,082,525	4,877,868
Recorded Investment With Allowance		134,500		134,500
Total Recorded Investment	5,349,737	5,217,025	5,349,737	5,217,025	4,877,868
Related Allowance		134,500		134,500
Average Recorded Investment	5,363,126	5,145,911	5,311,703	5,701,121	4,792,982
Interest Income Recognized	77,157	90,653	223,963	205,509	276,260
Residential Mortgage [Member]
Unpaid Contractual Principal Balance	3,882,548	4,011,851	3,882,548	4,011,851	3,367,827
Recorded Investment With No Allowance	3,181,637	2,347,285	3,181,637	2,347,285	2,362,062
Recorded Investment With Allowance	700,911	1,664,567	700,911	1,664,567	1,005,765
Total Recorded Investment	3,882,548	4,011,851	3,882,548	4,011,851	3,367,827
Related Allowance	170,741	247,541	170,741	247,541	403,475
Average Recorded Investment	3,910,884	4,021,446	3,919,666	4,025,659	3,388,867
Interest Income Recognized	30,371	35,750	96,616	121,746	157,595
Commercial Real Estate [Member]
Unpaid Contractual Principal Balance	20,025,629	23,497,570	20,025,629	23,497,570	21,618,890
Recorded Investment With No Allowance	15,885,402	19,699,656	15,885,402	19,699,656	18,804,478
Recorded Investment With Allowance	3,971,114	3,340,264	3,971,114	3,340,264	2,814,412
Total Recorded Investment	19,856,516	23,039,920	19,856,516	23,039,920	21,618,890
Related Allowance	559,333	1,122,590	559,333	1,122,590	785,878
Average Recorded Investment	20,010,465	23,128,253	20,162,244	23,257,586	22,501,842
Interest Income Recognized	$ 207,372	$ 282,740	$ 631,913	$ 872,500	$ 1,119,715