ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Details) (USD $)	3 Months Ended	6 Months Ended
Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
Allowance for loan losses:
Beginning balance	$ 3,302,297	$ 4,434,103	$ 3,382,977	$ 5,299,454
Charge-offs	(35,620)	(146,867)	(158,474)	(1,113,147)
Recoveries	20,597	34,061	62,771	59,955
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Ending balance	3,287,274	4,321,297	3,287,274	4,321,297
Commercial Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	524,383	1,138,063	582,198	1,309,632
Charge-offs	0	(24,277)	(40,253)	(213,069)
Recoveries	16,616	18,439	56,200	26,548
Provision for loan losses	(101,006)	224,678	(158,152)	233,792
Ending balance	439,993	1,356,903	439,993	1,356,903
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	2,072,756	2,486,708	2,266,302	3,386,433
Charge-offs	(15,314)	(94,505)	(25,025)	(857,205)
Recoveries	0	13,523	0	13,523
Provision for loan losses	(136,855)	(153,745)	(320,690)	(290,770)
Ending balance	1,920,587	2,251,981	1,920,587	2,251,981
Consumer Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	330,028	513,260	331,459	410,001
Charge-offs	(20,306)	(16,693)	(38,597)	(31,481)
Recoveries	3,981	2,099	6,571	19,884
Provision for loan losses	105,808	(56,199)	120,078	44,063
Ending balance	419,511	442,467	419,511	442,467
Residential Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	169,549	206,001	203,018	193,388
Charge-offs	0	(11,392)	(54,599)	(11,392)
Recoveries	0	0	0	0
Provision for loan losses	(12,143)	(903)	8,987	11,710
Ending balance	157,406	193,706	157,406	193,706
Unallocated Financing Receivables [Member]
Allowance for loan losses:
Beginning balance	205,581	90,071	0	0
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision for loan losses	144,196	(13,831)	349,777	76,240
Ending balance	$ 349,777	$ 76,240	$ 349,777	$ 76,240

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

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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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