OFF-BALANCE SHEET ACTIVITIES (Tables)

12 Months Ended

Dec. 31, 2012

Fair Value Disclosures [Abstract]

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

The contractual amount of unfunded financial instruments with off-balance sheet risk was as follows at year-end:

	2012				2011
	Fixed		Variable		Fixed		Variable
	Rate		Rate		Rate		Rate
Unused lines of credit	$	1,103,553	$	20,452,062	$	0	$	21,349,655
Unused standby letters of credit		0		1,262,000		0		1,262,000
Commitments to make loans		253,000		0		0		0