DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2012

Banking and Thrift [Abstract]

Schedule Of Deposit Liabilities Disclosures [Table Text Block]

Deposits at year-end are summarized as follows:

	2012		2011
Non-interest-bearing DDA	$	40,271,190	$	33,281,198
Interest-bearing DDA		22,865,704		19,432,618
Money market		18,602,302		18,468,540
Savings		9,018,387		8,477,893
Certificate of deposit		93,418,910		111,884,987
	$	184,176,493	$	191,545,236

Scheduled Maturities Of Time Deposits [Table Text Block]

Scheduled maturities of time deposits, as of year-end 2012, were as follows:

2013	$	45,590,583
2014		27,060,734
2015		13,720,369
2016		3,972,706
2017		3,074,518
	$	93,418,910