ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Details) (USD $)	3 Months Ended	9 Months Ended
Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Allowance for loan losses:
Beginning balance	$ 4,321,297	$ 4,935,634	$ 5,299,454	$ 4,791,907
Charge-offs	(738,267)	(392,278)	(1,851,414)	(1,531,891)
Recoveries	20,377	69,133	80,332	150,047
Provision for loan losses	0us-gaap_ProvisionForLoanAndLeaseLosses	344,692us-gaap_ProvisionForLoanAndLeaseLosses	75,035us-gaap_ProvisionForLoanAndLeaseLosses	1,547,118us-gaap_ProvisionForLoanAndLeaseLosses
Ending balance	3,603,407	4,957,181	3,603,407	4,957,181
Commercial [Member]
Allowance for loan losses:
Beginning balance	1,356,903	1,487,362	1,309,632	1,218,865
Charge-offs	(656,201)	0	(869,270)	(296,963)
Recoveries	10,296	22,612	36,844	58,392
Provision for loan losses	(98,273)	95,374	135,519	625,054
Ending balance	612,725	1,605,348	612,725	1,605,348
Commercial Real Estate [Member]
Allowance for loan losses:
Beginning balance	2,251,981	2,715,810	3,386,433	2,896,176
Charge-offs	(2,299)	(377,914)	(859,504)	(1,052,238)
Recoveries	8,204	32,345	21,727	49,486
Provision for loan losses	(100,367)	208,574	(391,137)	685,391
Ending balance	2,157,519	2,578,815	2,157,519	2,578,815
Consumer [Member]
Allowance for loan losses:
Beginning balance	442,467	492,977	410,001	546,603
Charge-offs	(79,767)	(14,364)	(111,248)	(150,026)
Recoveries	1,877	14,176	21,761	42,169
Provision for loan losses	2,191	50,237	46,254	104,280
Ending balance	366,768	543,026	366,768	543,026
Residential [Member]
Allowance for loan losses:
Beginning balance	193,706	239,485	193,388	130,263
Charge-offs	0	0	(11,392)	(32,664)
Recoveries	0	0	0	0
Provision for loan losses	(39,529)	(9,493)	(27,819)	132,393
Ending balance	154,177	229,992	154,177	229,992
Unallocated [Member]
Allowance for loan losses:
Beginning balance	76,240		0
Charge-offs	0		0
Recoveries	0		0
Provision for loan losses	235,978		312,218
Ending balance	$ 312,218		$ 312,218

A valuation allowance for financing receivables that are expected to be uncollectible.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

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Amount of recovery of financing receivables doubtful of collection that were previously charged off.

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Amount of direct write-downs of financing receivables charged against the allowance.

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Amount of expense related to estimated loss from loan and lease transactions.

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