ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Details Textual) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]
Allowance for Credit Losses, Change in Method of Calculating Impairment	$ 1,537,738		$ 1,699,851
Receivables, Change in Method of Calculating Impairment, Recorded Investment	8,361,469		10,441,218
Additional Allowance for Credit Losses Change in Method of Calculating Impairment	38,913	50,000
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	9,711	638,000
Financing Receivable, Credit Quality, Additional Information	All commercial and commercial real estate loans exceeding $500,000 are formally reviewed at least annually. Once a loan is graded a 5M or greater number, and is over $100,000, the loan grade will be reanalyzed once a quarter to assess the borrowers compliance with the Banks documented action plan
Performing Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Allowance for Credit Losses, Change in Method of Calculating Impairment	$ 181,503		$ 184,364