LOANS (Troubled Debt Restructurings on Financing Receivables) (Details) (USD $)	Sep. 30, 2013 loan	Dec. 31, 2012 loan
Financing Receivable Post Modification Recorded Investment	$ 4,637,797	$ 4,515,443
Number of Loans	12	10
Residential Mortgage [Member]
Financing Receivable Post Modification Recorded Investment	1,485,600	1,418,229
Number of Loans	4	3
Commercial Real Estate [Member]
Financing Receivable Post Modification Recorded Investment	$ 3,152,197	$ 3,097,214
Number of Loans	8	7