COMMITMENTS AND OFF-BALANCE SHEET RISK (Tables)

6 Months Ended

Jun. 30, 2012

Commitments And Off Balance Sheet [Abstract]

Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]

A summary of the notional and contractual amounts of outstanding financing instruments with off-balance-sheet risk as of June 30, 2012 and December 31, 2011 follows:

	June 30, 2012		December 31, 2011
Unused lines of credit and letters of credit	$	20,687,736	$	22,611,655
Commitments to make loans		118,375		0