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COMMITMENTS AND CONTINGENCIES (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Loan commitments outstanding with fixed interest rates $ 4,500,000  
Loan commitments, unused lines of credit and standby letters of credit with variable interest rates 41,100,000  
Term of letters of credit, Maximum 1 year  
Renewal options for leases, maximum 30 years  
Rent expense 65,000 73,000
Future Minimum Rental Commitments for Non-cancelable Operating Leases [Abstract]    
2013 63,000  
2014 33,000  
2015 33,000  
2016 33,000  
2017 33,000  
Total minimum lease payments 195,000  
Future minimum rents to be received under non-cancelable subleases 5,000  
Commitments to Grant Loans [Member]
   
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation 25,145,000 9,010,000
Unfunded Commitments Under Lines Of Credit [Member]
   
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation 19,017,000 17,174,000
Standby Letters of Credit [Member]
   
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Contractual obligation $ 1,481,000 $ 1,595,000