LOANS (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Loans and Leases Receivable Disclosure [Abstract]
Net deferred loan fees	$ (57,759)	$ (55,642)
Loans	128,547,253	125,830,250
Less: Allowance for loan losses	(2,870,036)	(3,382,977)
Net loans	125,677,217	122,447,273
Commercial Portfolio Segment [Member]
Loans and Leases Receivable Disclosure [Abstract]
Net deferred loan fees	43,596,519	39,915,144
Commercial Real Estate Portfolio Segment [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	56,402,659	53,096,828
Commercial Real Estate Construction Financing Receivable [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	2,094,988	3,464,366
Consumer Line of Credit [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	8,291,775	9,105,387
Consumer Other Financing Receivable [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	1,669,427	2,015,234
Consumer Credit Card Financing Receivable [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	470,836	490,802
Residential Portfolio Segment [Member]
Loans and Leases Receivable Disclosure [Abstract]
Loans	$ 16,078,808	$ 17,798,131

Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

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-SubTopic 210

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-Name Staff Accounting Bulletin (SAB)

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Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.

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Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

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Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.

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