ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Details) (USD $)	3 Months Ended	9 Months Ended
Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Allowance for loan losses:
Beginning balance	$ 3,287,274	$ 4,321,297	$ 3,382,977	$ 5,299,454
Charge-offs	(444,698)	(738,267)	(603,172)	(1,851,414)
Recoveries	27,460	20,377	90,231	80,332
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Ending balance	2,870,036	3,603,407	2,870,036	3,603,407
Commercial Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	439,993	1,356,903	582,198	1,309,632
Charge-offs	(25,794)	(656,201)	(66,047)	(869,270)
Recoveries	19,656	10,296	75,856	36,844
Provision for loan losses	(51,133)	(98,273)	(209,285)	135,519
Ending balance	382,722	612,725	382,722	612,725
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	1,920,587	2,251,981	2,266,302	3,386,433
Charge-offs	0	(2,299)	(25,025)	(859,504)
Recoveries	0	8,204	0	21,727
Provision for loan losses	(105,707)	(100,367)	(426,397)	(391,137)
Ending balance	1,814,880	2,157,519	1,814,880	2,157,519
Consumer Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	419,511	442,467	331,459	410,001
Charge-offs	(225,308)	(79,767)	(263,905)	(111,248)
Recoveries	7,804	1,877	14,375	21,761
Provision for loan losses	209,672	2,191	329,750	46,254
Ending balance	411,679	366,768	411,679	366,768
Residential Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	157,406	193,706	203,018	193,388
Charge-offs	(193,596)	0	(248,195)	(11,392)
Recoveries	0	0	0	0
Provision for loan losses	250,712	(39,529)	259,699	(27,819)
Ending balance	214,522	154,177	214,522	154,177
Unallocated Financing Receivables [Member]
Allowance for loan losses:
Beginning balance	349,777	76,240	0	0
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision for loan losses	(303,544)	235,978	46,233	312,218
Ending balance	$ 46,233	$ 312,218	$ 46,233	$ 312,218

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 expense related to estimated loss from loan and lease transactions.

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