ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Details) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
Allowance for loan losses:
Beginning balance	$ 4,434,103	$ 5,255,868	$ 5,299,454	$ 4,791,907
Charge-offs	(146,867)	(856,216)	(1,113,147)	(1,139,613)
Recoveries	34,061	38,061	59,955	80,914
Provision for loan losses	0	497,921	75,035	1,202,426
Ending balance	4,321,297	4,935,634	4,321,297	4,935,634
Commercial Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	1,138,063	1,160,906	1,309,632	1,218,865
Charge-offs	(24,277)	(225,106)	(213,069)	(359,807)
Recoveries	18,439	8,132	26,548	35,780
Provision for loan losses	224,678	543,430	233,792	592,524
Ending balance	1,356,903	1,487,362	1,356,903	1,487,362
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	2,486,708	3,205,039	3,386,433	2,896,176
Charge-offs	(94,505)	(586,086)	(857,205)	(674,324)
Recoveries	13,523	3,501	13,523	6,999
Provision for loan losses	(153,745)	93,356	(290,770)	486,959
Ending balance	2,251,981	2,715,810	2,251,981	2,715,810
Consumer Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	513,260	631,316	410,001	546,603
Charge-offs	(16,693)	(12,361)	(31,481)	(72,819)
Recoveries	2,099	16,286	19,884	27,993
Provision for loan losses	(56,199)	(142,264)	44,063	(8,800)
Ending balance	442,467	492,977	442,467	492,977
Residential Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	206,001	258,607	193,388	130,263
Charge-offs	(11,392)	(32,663)	(11,392)	(32,663)
Recoveries	0	10,142	0	10,142
Provision for loan losses	(903)	3,399	11,710	131,743
Ending balance	193,706	239,485	193,706	239,485
Unallocated Financing Receivables [Member]
Allowance for loan losses:
Beginning balance	90,071		0
Charge-offs	0		0
Recoveries	0		0
Provision for loan losses	(13,831)		76,240
Ending balance	$ 76,240		$ 76,240