COMMITMENTS AND OFF-BALANCE SHEET RISK (Tables)

6 Months Ended

Jun. 30, 2013

Commitments And Off Balance Sheet [Abstract]

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

A summary of the notional and contractual amounts of outstanding financing instruments with off-balance-sheet risk as of June 30, 2013 and December 31, 2012 follows:

	June 30, 2013		December 31, 2012
Unused lines of credit and letters of credit	$	22,704,244	$	22,817,615
Commitments to make loans		31,700		253,000