FAIR VALUE OF FINANCIAL INSTRUMENTS (Fair Value, by Balance Sheet Grouping) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
Assets
Investment securities - AFS, Carrying amount	$ 50,869,490	$ 47,205,663
Investment securities - HTM, Carrying amount	91,349,615	112,619,434
Federal Home Loan Bank and Federal Reserve Stock, Carrying Amount	5,593,100	5,476,050
Loans, Carrying amount	759,880,727	747,640,752
Other real estate owned, Carrying amount	7,058,504	6,891,353	6,095,233	5,028,513
Investment securities - AFS, Fair value	50,869,490	47,205,663
Investment securities - HTM, Fair value	91,050,953	114,187,018
Federal Home Loan Bank and Federal Reserve Stock, Fair value	6,198,000	5,469,000
Loans, Fair value	753,916,000	757,387,000
Other real estate owned, Fair value	7,058,504	6,891,353
Liabilities [Abstract]
Savings, NOW and money market accounts, Carrying amount	432,564,049	414,776,285
Time deposits, Carrying amount	384,683,410	405,454,003
Long-term debt, Carrying amount	70,488,848	60,527,208
Short term borrowings, Carrying amount	2,640,000	1,000,000
Guaranteed preferred beneficial interest in junior subordinated debentures, Carrying amount	12,000,000	12,000,000
Savings, NOW and money market accounts, Fair value	432,564,049	414,776,285
Time deposits, Fair value	387,119,000	410,257,000
Long-term debt, Fair value	71,382,000	64,252,000
Short term borrowings, Fair value	2,640,000	1,000,000
Guaranteed preferred beneficial interest in junior subordinated debentures, Fair value	2,400,000	2,400,000
Fair Value, Inputs, Level 1 [Member]
Assets
Investment securities - HTM, Fair value	749,962	749,941
Fair Value, Inputs, Level 2 [Member]
Assets
Investment securities - AFS, Fair value	50,869,490	47,205,663
Investment securities - HTM, Fair value	90,300,991	113,437,077
Federal Home Loan Bank and Federal Reserve Stock, Fair value	6,198,000	5,469,000
Loans, Fair value	753,916,000	757,387,000
Other real estate owned, Fair value	7,058,504	6,891,353
Liabilities [Abstract]
Savings, NOW and money market accounts, Fair value	432,564,049	414,776,285
Time deposits, Fair value	387,119,000	410,257,000
Long-term debt, Fair value	71,382,000	64,252,000
Short term borrowings, Fair value	2,640,000	1,000,000
Guaranteed preferred beneficial interest in junior subordinated debentures, Fair value	$ 2,400,000	$ 2,400,000