ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Details) (USD $)	3 Months Ended
Mar. 31, 2013	Mar. 31, 2012
Allowance for loan losses:
Beginning balance	$ 3,382,977	$ 5,299,454
Charge-offs	(122,854)	(966,280)
Recoveries	42,174	25,894
Provision for loan losses	0us-gaap_ProvisionForLoanAndLeaseLosses	75,035us-gaap_ProvisionForLoanAndLeaseLosses
Ending balance	3,302,297	4,434,103
Commercial Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	582,198	1,309,632
Charge-offs	(40,253)	(188,792)
Recoveries	39,584	8,109
Provision for loan losses	(57,146)	9,114
Ending balance	524,383	1,138,063
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	2,266,302	3,386,433
Charge-offs	(9,711)	(762,700)
Recoveries	0	0
Provision for loan losses	(183,835)	(137,025)
Ending balance	2,072,756	2,486,708
Consumer Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	331,459	410,001
Charge-offs	(18,291)	(14,788)
Recoveries	2,590	17,785
Provision for loan losses	14,270	100,262
Ending balance	330,028	513,260
Residential Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	203,018	193,388
Charge-offs	(54,599)	0
Recoveries	0	0
Provision for loan losses	21,130	12,613
Ending balance	169,549	206,001
Unallocated Financing Receivables [Member]
Allowance for loan losses:
Beginning balance	0	0
Charge-offs	0	0
Recoveries	0	0
Provision for loan losses	205,581	90,071
Ending balance	$ 205,581	$ 90,071

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

-Paragraph 11B

-Subparagraph (c)(1)

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

+ References

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

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

+ References

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

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

+ References

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 11

-Article 9

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

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