LOANS (Details) (USD $)	Sep. 30, 2012	Dec. 31, 2011
Loans and Leases Receivable Disclosure [Abstract]
Loans	$ 125,234,631	$ 149,658,931
Less: Allowance for loan losses	(3,603,407)	(5,299,454)
Net deferred loan fees	(47,252)	(32,283)
Net loans	121,631,224	144,359,477
Commercial Portfolio Segment [Member]
Loans and Leases Receivable Disclosure [Abstract]
Net deferred loan fees	39,563,877	50,062,289
Commercial Real Estate Portfolio Segment [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	49,555,123	59,985,723
Commercial Real Estate Construction Financing Receivable [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	5,841,732	6,425,041
Consumer Line of Credit [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	9,822,404	13,376,689
Consumer Other Financing Receivable [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	2,086,026	2,370,625
Consumer Credit Card Financing Receivable [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	505,688	527,858
Residential Portfolio Segment [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	$ 17,907,033	$ 16,942,989

Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

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-Name Accounting Standards Codification

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-SubTopic 210

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-Name Staff Accounting Bulletin (SAB)

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Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.

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Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

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Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.

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